At the moment 100 banks are working with Ripple software. Only two (Cuallix and Moneygram) are using/testing xRapid which is the application that let's them use XRP instead of the fiat currency in nostro accounts that they need for transfers through the Swift system to settle international money transfers. Swift has more than 11000 users (banks) and you somehow assume "a few banks" account for 1/5th of the total transaction volume. Which banks are those exactly and what verifiable indications do we have they are considering switching xRapid in "the next few months"? I am an XRP Hodler. In fact, it makes up the vast majority of my portfolio and I firmly believe in its future potential, but your assumptions are stupid and misleading. Do some real research or stop spreading your nonsense!