When JPM came out with an 'internal' coin to be used just by them the whole internet asked "what for".
Now IBM are planning to creat a coin/payment method, except they are going to base it on Stellar XLM.
The question is why? Why creat a new version of the same thing?
The only answer can be "ownership", of the coin and the system
So who owns IBM?
The banking cartel really are loosing the plot.