I am pretty sure that all banks will use ripple in the future. I still don't understand that even if that is the case why XRP will have any value...
Admitting ignorance is the beginning of wisdom (paraphrasing Socrates)
Understanding present and future value of XRP is indeed the crucial issue.
I refer you to the Sources of XRP demand section of
https://ripple.com/files/ripple_deep_dive_final.pdfFor the impatient, here's the spoiler alert:
Global Liquidity Bridging Currency
( Yes Virginia, it's a very technical term well understood by a few Central Bankers and IMF Monetary Economists )
Currently the USD serves this purpose ( highly imperfectly but happens to be the least terrible of all other alternatives )
The reason why XRP is rallying is because there ARE a few people in the crypto community who DO understand FUTURE potential for XRP to play this role and given the astronomical potential upside, are willing to throw some BTC and fiat at XRP today just for the privilege of having the option to participate.
P.S. The secondary anti-spam token role can be thought of a minor transitional component of value which will be completely dwarfed in the future by the value as the Liquidity Bridging Asset/Currency