So you can indeed quote accident-free from articles, maybe next step make sure what you post is actually relevant for your argument (how does the RBI/PNB article tie in?).
To the best of my knowledge, there is one bank which Ripple claims to be using XRP. It is Euro Exim Bank. Except, that Euro Exim Bank is not a bank:
There’s only one problem. Euro Exim Bank isn’t a London-based bank. It’s an offshore bank registered in a tax haven. It has a London office, which is registered as a small company in the U.K., but that’s not a bank. Euro Exim Bank’s website says that it has a class A international banking license from the Caribbean tax haven of St. Lucia. This authorizes it to “carry on international banking business from St. Lucia.” But it does not authorize it to carry on banking business in St. Lucia, and the company’s website specifically says that it “does not provide any services to any natural person or legal entity in St. Lucia.” So, Euro Exim Bank is not a St. Lucia bank. The U.K.’s Financial Conduct Authority (FCA) website shows that Euro Exim Bank’s U.K. registration was terminated in February 2017. (...) In fact, Euro Exim Bank does not have an onshore banking license anywhere in the world. (
link).
Nothing new in that, Ripple's history is riddled (or is that rippled?) with
false or exaggerated claims.
Let's just agree to disagree, I am getting a bit tired of arguing with a stranger. You buy as many XRP as you can and hodl them until you see fit, I don't. Good luck with the trade.