Banks, Financial Services, and Ripple Clones


Hi all,
Now that Ripple is open source, what reason would a bank or financial institution have for using Ripple Labs version of Ripple rather than just creating their own instance of the software?

Couldn’t the Federal Reserve or a bunch of central banks decide that they would like to have a monopoly on a cryptocurrency and create a version from scratch where all the xrp-equivalents are owned by them? The xrp-equivalent could be used solely as a bank to bank currency.

Again, what would be the benefit of using Ripple Labs version vs this?

I didn’t find the right solution from the internet.

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