The main reasons why XRP will see $10 before EOY:
There are numerous partnerships with Money transfer companies where usage of XRP is going to be the norm. XRP has numerous partnerships with some of the top money transfer companies with usage of XRP.
Santander is going to go live with XRP soon. In the recent AMA with Brad Garlinghouse, Corey accidentally mentioned that Santander is going to use XRapid as well along with XCurrent.
Soon Ripple is going to have more than 200 partnerships with Banks.
Ripple has tieups with more than 50 central Banks. Central Banks have the power and authority to make rules within their home country and banks will adhere to set rules. If Central Banks make it a norm to use XRapid, then banks will have to use XRapid.