Difference between XRP and ripples product for banks

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Does everyone realise xrp and ripples product for banks are different not meaning they need each other :).

Im not against xrp or ripple company please don't get me wrong but I would love to see people to invest on something good our internet and lives.
I personally want to be able transfer my own money internationally within seconds just like and email securely and fast but xrp is not meant for that.
Whenever I think about it why would banks use another company when they can create their own token or coin or even a better cryptocurrency platform for themselves so they won't have to pay tocompany like ripple which I'm sure they have tons of money to do this :).

I would love to discuss this with everyone here.
Let me know your thoughts 💭 please.

Difference between XRP and ripples product for banks | Ecency