I think you nailed it. The big 10 ... GE, MSFT, goog, appl, face ... will 'back' a new coin ... and acquire what little they have yet bought with a new $trillionarie asset. Between andriod, windows, face accounts, and iOS they could roll out a virtual banking system in 48hrs.

Bonus the major banks will offer up there customer accounts (given a niffty haircut) ... FOMO the herd to rush into it. so Ecoin will come attached to past banking records.