This is a good article. I just came across this article 5 reasons to buy Ripple. https://www.ripplecoinnews.com/5-reasons-to-buy-ripple-xrp-coin There is an image in there with a list of banks that are testing xrp. One of the banks is Bank Of America. Would you please read the article and give us a new analysis please? Thanks.

"At the moment, Ripple technology is tested by nearly 80 banks. Soon, this test phase will end with banks setting whether to adopt Ripple technology or not. Banks will be able to adopt for two options. They will only use the Ripple transfer software, and in this case the money transfer costs will decrease by only 30%. If banks choose to use the Ripple software and the XRP currency, the transfer price will drop by 60%. This 60% drop in transfer costs may be an encouraging reason for banks to use the XRP currency."