I'd love to get into a conversation about XRP if it would help clarify some points for you. For starters, I think it's important to note that I said XRP was useless, not the Ripple blockchain, which has great merit. In short, the banks do not need XRP to benefit from Ripple's blockchain tech. Important to remember that cryptocurrencies are not the same thing as blockchain.
RE: RIPPLE (XRP): Target Update with Elliott Waves & Chart Patterns