Will banks themselves use the XRP tokens in the Ripple protocol, or rely on market makers or use pure IOUs?
https://www.quora.com/Will-banks-themselves-use-the-XRP-tokens-in-the-Ripple-protocol-or-rely-on-market-makers-or-use-pure-IOUs/answer/David-Schwartz-9?

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https://twitter.com/tenitoshi/status/940146657563328514