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Correct xCurrent doesn't require XRP and just the xRapid product uses XRP to process payments. The thought is that XRP would be a universal currency for the payment processing portion and separated from the xCurrent ledger solution.

They don't have to use it, but they'll save 30% on the cost of a transaction by using XRP. Why wouldn't they?

> it seems banks are only interested in the Ripple tech

No bank has ever said that. Some have said that they're not using XRP yet, but that's because they're simply beginning trial runs of the technology.

If you want to see that same tech in action but on a public blockchain, check out Stellar.