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Question posed by Ripple reddit user; I just can't fathom why banks don't just adopt the infrastructure Ripple has created and just disuse XRP entirely? Answer: (Joel Katz)" Because the infrastructure that Ripple is building provides fast payments but not fast settlement. Right now, it doesn't matter that much that it takes a few days to settle a payment because the payment itself takes about that long. But if the payment can complete in seconds and the settlement still takes days, customers will still have to pre-fund their payments to avoid the slow path. That means it will cost their customers a lot more. One of the key factors driving banks to Ripple right now is that banks want to save their customers money, particularly for new corporates that spend a lot of money pre-funding payments. Take Uber for example. Uber wants a person to drive for them because they need extra money to buy groceries. For that to work, Uber has to be able to pay people in many countries within an hour. While Uber is more extreme, companies like AirBNB, Amazon and even more traditional companies like Seagate need to make rapid payments all over the world. Today, a company would do that by keeping a pile of money in every market they might need to pay into. But that costs them a fortune. If their payments could settle quickly, they would save those outlays and every bank wants their business. Fortunately, international payments are almost as bad today as international settlement is. So Ripple can make a business out of providing better and aster payments even if banks still have to use traditional correspondents for the settlement. So banks do see huge value in Ripple even without XRP. But every bank that uses Ripple's payment system also eliminates all the technical obstacles to settling with XRP. So for a payment where XRP is faster, cheaper, or both, there's absolutely no reason for them not to use it."