XRP denominated exchange?

[Deji]

I spent the weekend considering the possibility of setting up an exchange that integrated with xRapid (ie uses XRP as a bridge for instant deposits and withdrawals) thereby minimizing or eliminating altogether the extortionate fees charged for credit card deposits on most exchanges and fixing the withdrawal delays we all face whenever we want to liquidate some of our crypto. 

I'm still in the earliest stages of working out whether it is a viable XRP use case so would appreciate community feedback on potential challenges,  besides the obvious hassle of developing and maintaining an exchange. 

One burning question I'm trying to find an answer to is: 

• Does the bank/payment provider I use need to have implemented xRapid? 

Any and all feedback welcome.