XRP is just a byproduct of the chain, banks use its technology, not the XRP token, you need to understand this clearly.

$XRP has 100 trillion, currently more than 57 trillion, the rest is locked. If it enters the banking system worldwide, then only 1 billion users are needed for each person to have a maximum of 60 to 100 XRP. At the current price, that's over 200 dollars. If institutions jump in to own it as well, then it won't be possible for each person to have 10 XRP. It will be a real asset. The future of XRP and BTC is a type of digital asset that everyone wants to have a few coins in their wallet because of its utility and its value as a safe haven asset in a volatile world. I have bought over 2000 XRP at a price ranging from 0.6 to 1 and I will hold it for a few more years to see if there are any changes!