Reports are that the IBM deal will initially use XLM as the exchange currency. However, eventually each bank/ institution that signs up will create their own currency or coin for transactions. I'm bullish on Lumens until mid 2018.
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If every bank creates its own coin, what will be the universal currency across banks? I think we have to look at the protocol instead of looking at the coin.
Interesting! thanks for sharing, that's a good plan im on the same boat!