"Its focus is mainly for banks (to hold vast amounts of XRP) when sending sums of money to each other, to be able to convert fiat into XRP and then send that XR

"Its focus is mainly for banks (to hold vast amounts of XRP) when sending sums of money to each other, to be able to convert fiat into XRP and then send that XRP between them and then convert XRP into the receiving fiat currency.” With the exception of Ripple money transfer products working without XRP, which they don’t like to shout about.