The way I've heard it explained is few to no banks are actually using Ripple, they are doing testing or doing it on a small scale. The way I heard it explained is the head of tech at a bank says were working with Ripple, even though they aren't really adopting it it's a small test. He gets to pad his resume and say hey I brought crypto to XYZ bank even though they never really plan on using it. Why do you think Ripple will be used for payments over other cryptos?