It is more simple than that. The Banks need to cut costs and become faster. They will use blockchain in their internal and inter-banking systems to achieve it. It will be private in some cases, and it might be centralized in many others. Blockchain is a technology, and the paradigm can work well without the transparency and openness that the initial models proposed.
RE: Does newly announced official banking sector owned crypto threaten Ripple's xrp?
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Does newly announced official banking sector owned crypto threaten Ripple's xrp?