There is no need for banks in a blockchain environment. This is the 1% elitists last straw at confusing the general populous about the blockchain technology. Don't buy ripple, or anything that has banks written all over it. Read the Bitcoin whitepaper and get yourselves educated on the true nature of the technology. We need total decentralization, free of corporations. Lets buy and sell directly with each other rather, because the technology is already here to allow us to do exactly that.