Thanks for sharing your insights! I think you're right, that it's only a question of time until they will come up with something great. After all I think Ripple is interesting, because they don't want to "revolutionize" the whole system, but only partially. So the banks have a natural interest in collaborating with them. Well, I think I will hold XRP longterm and let me surprise, where it goes. Good luck to you too with XRP!