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1/ ISO20022 is the global standard for financial messaging and the integration deadline is NOVEMBER. It’s structured. It’s enriched. And it’s non-negotiable for modern finance.
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Lets break down patent US2021192501A1...
I've expressed before that XRP's value cannot be tied to any particular asset/commodity. A decentralized digital currencies value is determined by the forces of supply and demand. However, what follows is a theoretical and speculative scenario, yet still plausible.
The US Dollar has been the backbone of global monetary flow for decades. 

DISCLAIMER: I possess no expertise in the fields of cryptocurrency, banking or finance. The following is my personal opinion based on my understanding of the needs of different types of banks and logically deducing how digital assets with unique features can meet those needs.

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#Bitcoin is often considered the pioneer that offered the world a sneak peek into the future of digital finance. However, if you haven't fully embraced its cult ideology, you may have noticed that the global system is not interested in it.
1) This is my opinion, not a declaration of future success of the project or an accusation of illegal activity. It's a non-technical evaluation of the proposal to double #XPR's circulating supply from 14B to 28B.