True, but it's in Escrow to be released for sale to FI's, 1b a month as needed with unsold coins going back into new Escrow automatically.' Only if you don't understand the point of it all. With xCurrent banks only get to use the ledger and still have to maintain vostro/nostro (ie. fiat) accounts on each end ie. trillions of dollars sitting in bank accounts all over the place just so that funds can be transferred. This is slow, expensive and inefficient. XRP provides that liquidity, removes the need for nostro accounts which frees up FI's funds and reduces their transfer fees by up to 90%. And provides instant SETTLEMENT vs several days when using fiat. Pretty crappy deal if you're a bank! Or maybe not? And xRappid (XRP) is the one they're testing this month with 40 different banks in Japan and Korea. And Cualix is already using it for Mexico <-> USA settlements.