Right now the banks that have partnered are using XCurrent which does not use XRP at the moment. One bank, Caullix has implemented Xrapid which does use XRP. Others that are piloting and using XRapid/XRP are Western Union, Moneygram, Mercury FX, and IDT. XCurrent saves around 30 percent if Xrapid/XRP is plugged in it saves them 60 percent. XCurrent is basically the gateway drug to eventually using XRapid. Also, through each XRP transaction, a small fraction of XRP is burned from the total supply.