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48 min onwards in the video from Davos 2019, Brad himself confirms that a few games using XRP are in the making and 2019 is the year to look out for:

I have yet to read a post by anyone that understands that XRP has nothing to do with banks and remittance institutions. The network that banks use (Xcurrent) has absolutely nothing to do with "Xrapid" which is what the seperate digital currency (XRP) uses. Nothing at all. This talk of banks adopting XRP is so flagrantly ignorant it causes me to shake my head. So what the heck is this perpetual talk of XRP absorbing swift and forex transactions? It's 100% completely centralized within Ripple Inc. and is at the mercy of their scrupules, trust and caprices. Low transaction costs and fast transactions? Bitcoin's lightning network will be able to do that and so will Ethereum within 2 years. I have big problems with bitcoin's power usage, miner monopoly, exchange monopoly and hackability. I have a huge problem with XRP's company centralization, seperate business's (Xcurrent for institutions and Xrapid for speculators) and see Ethereum-Ether as the superior balance of both. So I challenge the "informed" Ripple speculators to elucidate the justification for this because I see zero within a short to mid timeframe. Not a hater. I speculatively bought 3k XRP on Kraken but fail to see the longterm benefits of a flagrantly centralized company owned cryptocurrency that has nothing to do with banks or remittance institutions. Addition to original post: **NOTICE** Very surprised by the volume and speed of responses here. Blown away I am. My post was meant to ask a hard question by a neophyte newbie–me–in regard to XRP. In order for something to stand upon its own two feet it must be able to withstand these queries. I thank you all for the informative info and critique. This community is far more robust than I thought. I originally bought bitcoin when it was a subversive medium at a cafe in chicago from a guy I met on Reddit. I used it to get funds into an offshore gambling account. It was a truly beautiful thing back then when the miners were discursive and spread out, governments didn't develop tools to mess with it, exchanges did not exist, it was actually used as a currency etc... This Ripple community reminds of those times a bit. My limited vision sees 3 cryptos: a centralized regulated (Ripple), a decentralized swiss-army knife (Ether) and a subversize untraceable (Monero et al). I'm in all 3. I see bitcoin as the Icarus, the first casualty, the Napster, Atari and Netscape. Thanks for the replies again.

Does anyone know how the ripple uses these over 300 MILLION PER MONTH? There are strategic growth agreements that we do not know about. RIPPLE held 6,372,967,962 XRP This money is being used to partnerships and grow the company. RIPPLE is already selling XRP to banks and we still do not know? And maybe they're not on the market yet?

Beware of the Cynic It's tempting to think that cynical posters here on the forum have some sort of insight that you do not. After all, popular culture and television often portrays intelligent heroes as those that are the MOST cycnical. Look at the character of Sherlock Holmes played by Jonny Lee Miller on "Elementary" with Lucy Liu. It's one of my favorite shows. Or the character of Dr. Gregory House playbed by Hugh Laurie. Both of these heroes have one thing in common: they are dripping with clever sarcasm. So it becomes an automatic reaction for us when we read something positive to dismiss it out of hand as "fluff" or "advertising". So what happens when we truly encounter a new technology that is transformative and promising? There's a risk that we might automatically dismiss its proponents as nothing more than "fanboys" or "trumpeters" trying to make something sound good when it really isn't. In its early years, was Google identified as an incredible buy? Amazon? Ebay? No, not in an obvious sense. To make money on each of those, it required investors to look beyond the skepticism - and the unbridled enthusiasm - of the market at the time, and delve deeper into the facts. Transformative Use Cases As an investor in the crypto-currency space, you must educate yourself on the other choices available, and compare them. To do that, you need to look at the real use cases behind each of the crypto-currencies. I won't get into a lot of the use cases for the other tokens or coins, but feel free to post in response. Here's a few use cases I jotted down for XRP: From Ripple (source: https://ripple.com/xrp/ ): Liquidity for Banks in Replacement of Nostro Accounts Forex Near-Instant Payment Settlement Cross-Currency Payment Settlement Escrow From the Industry (source: http://www.bankingtech.com/775302/bank-of-england-teams-with-ripple-for-cross-border-payments/ ) : Real-Time Gross Settlement for Central Banks From Ripple (source: https://ripple.com/build/payment-channels-tutorial/ ) Payments for things that can be transmitted near-instantly, like digital items Payments for inexpensive things, where the cost of processing a transaction is a non-trivial portion of the price Payments for things normally bought in bulk, where the exact quantity desired is not known in advance From XRPChat Members: Central Bank IOU (Source: @Hodor based on https://www.cryptocoinsnews.com/bank-japan-will-seriously-consider-virtual-currency-senior-official/ ) P2P purchases (source: @ObservantOne ) transfer money instantly on the stock market (source: @ObservantOne ) Generic "Immutability" type use cases (source: http://www.computerworlduk.com/galleries/security/bitcoin-blockchain-what-else-could-it-be-used-for-3628558/ ): digital music rights Land titles Identity Provisioning Services Supply Chain Information Online Voting Recording NASDAQ Trades Smartcard Payments Tracking government payments Decentralized Exchange Let me know if I've missed any. Based on the above list, we're on track for extremely high usage of XRP. In the case of truly transformative tech, place your bets while it's still cheap, and buy XRP!