It appears that the following is happening:

Every bank is going to have to adopt digital assets plain and simple.

Ripple team knew this.

Banks either play ball or they die. They have huge problems anyway with gold and silver reserves. They play ball by commiting to digital wallets and the conversion protocol for fiat into digital.

So when the banks utilize CBDCs (Central Bank Digital Currencies) or some other token for smaller banks, they will need a protocol to convert FIAT into digital to be stored in customers digital wallets.

Because these are all tokens on the blockchain they will have to use a blockchain based protocol.

Well, just look at the fees with BTC, ETH. There’s no question this conversion protocol is going to be done using XRP due the .0001 fee.

Oh and by the way, XRP is not only built for this but is also using the ISO20022 standard whereas other tokens aren’t.

Are you grasping magnitude of this yet?

Like to learn about XRP, can someone point a noob in a direction?