Ripple-XRP, page-139

Some of us have the thing the banks will be using


https://www.coindesk.com/ripple-claims-3-money-transfer-firms-xrp-2018/

Most institutions currently trialing the Ripple Network are using Ripple's xCurrent product. Many will in future use xRapid which will be more efficient and does utilise XRP.

Ripple recently escrowed a large proportion of the XRP it holds (to prevent the market being flooded with XRP) but with a regular monthly release of enough XRP to provide institutional liquidity.

https://ripple.com/insights/ripple-escrows-55-billion-xrp-for-supply-predictability/