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Many of my comments have been about how I think PSP's or bank software providers are the way Ripple can exponentially grow the network they are attempting to build. This hypothesis leads me to check out various PSP's and software providers frequently for any new information they may put out in relation to Ripple. ACI Worldwide posted this video back in September and I think is ties in pretty directly to where the world is headed: https://www.aciworldwide.com/insights/videos/2018/september/cross-border-real-time-payments-the-next-opportunity-for-banks This video makes it very clear to me that banks are quickly realizing that Swift can't go it alone anymore. ISO20022 + Blockchain (Ripple) are probably the way to the future, a defined interoperable messaging system and a settlement system will allow real time cross boarder payments. I don't think banks themselves can move quickly enough to update old payment rails and I don't think Ripple really wants to go through the trouble of plugging in each individual bank. Ripple needed to "get the ball rolling" and prove that some entities saw the benefits of their network and increase its value so they partnered "directly" with their first 100-200 partners. I believe we are getting very close to the point where one day banks will turn to their PSP/Banking Software and find an option to send a payment that settles in minutes at an extremely cheap cost. These benefits will increase over the next several years as National RTGS systems go live with Open API's and PSP's can directly plug into the entire domestic network. These RTGS' will be connected through the ILP and XRP will transfer/settle value across them all.

Sharing my findings as I couldn't find them all at xrpchat. There is some good stuff happening (in my opinion) regarding the progress towards real blockchain adoption in general (which I assume is profitable for XRP usecase adoption too). First let's again view what a survey by WEF World Economic Forum with "over 800 executives and experts from the information and communications technology sector" says: From Ripple insight: Original PDF by WEF Ripple Insight regarding this survey Of course this is an averaged estamation based on the responses and the survey was done in 2015. Stuff already seems progressing quicker than expected (incl for Ripple). It shows the expectations the respondents in the ICT sector have. Blockchain ISO standards developments There are ISO standards being developed for "blockchain and distributed ledger technologies". Such standards are necessary (imo) for real worldwide adoption. Currently the stages of those ISO standards are 'Preparatory' (stage 20.00) at most. Here is an overview of participating and observing countries: https://www.iso.org/committee/6266604.html?view=participation This standard is an initiative by Australia. From the roadmap for blockchain standards of Standards Australia (march 2017): Small overview of roadmap here. So even though the current status is 'Preparatory' at most, the ISO standards ARE being developed at this moment. Boiling fintech in Luxembourg; Infrachain From website: Q1 2018 introduction paper Now lets view Infrachains members page: This shows that big players in the industry like Ant Financial are actively busy progressing to realworld usage / adoption. Also interesting Ant Financial is active in Luxembourg it seems. Talking about Ant Financial, their brand Alipay has some plans. Exciting blockchain/fintech times ahead imo. For speculation; Snapswap, KPMG, Telindus, Deloitte have some connections to Ripple. SnapSwap USA (a Ripple gateway) stopped but the key executive was Denis Kiselev, which is still active at SnapSwap International S.A. in Luxembourg. KPMG slide mentioned Mastercard tested Ripple payments blockchain solution (just noticed the slide author is Unilever, big Dutch company that had 52.7 billion euro turnover in 2016) Telindus has a Ripple validator running Deloitte (37.8 billion usd turnover) senior manager for innovations talking Ripple here and here. Maybe he is in the community somewhere. Also in Japan the selfregulated Japanese Cryptocurrency Exchange Association was created which fits above progress (ISO standards under development / Infrachain trying to accelerate blockchain adoption by community created regulation). Good to see these initiatives which should help accelerate blockchain and/or crypto use by setting standards & guidelines at a moment there is still some regulatory unclarity.