They have partnered with the Santandar Bank to facilitate the cross border payments. It will help in some demand in the market and coin will grow to some point. As it is centralised currency in the cryptocoin I think it can grow at some extent but saying that it will be to the moon is not a good comment.. People want the freedom not centralised coins.. But still it is a good option because some of the banks and countries will be merging with them and price will automatically go high..
These were my views on it..
Further more information is given down you can check it... Thank you.
The point is that banks may not use xrp for transaction fee. They can create their own blockchsin and digital coin to do so.
That is the truth and could be a potential problem in long term ripple value - but as you all know, good news sell, and the fact we have some good news to back up Ripple is good enough to produce a rise in the price, one more good anouncement in that range could easily propelle ripple to 0.30, at least in short term