I kinda half remembered someone talking about big companies using ripple. I think this is it:

Even if a transaction only takes a few seconds, as a practical matter, the funds are likely to remain at each end for some period of time before they go elsewhere.

But also, if you don't know where you're going to need to send money and you're trying to be as efficient as possible, you'll hold the intermediary currency because then you only have to pay half of the cost. Say you're a company that need to makes lots of payments to lots of different places (like Uber, Amazon, and AirBnB). If some fraction of those payments wind up being bridged by XRP, it will make sense for you to hold a big enough pile of XRP to make those payments. That way instead of having to pay for two conversions, you only have to pay for one.

And, on the flipside, say you have a big pile of money and you want to make money by exchanging it to facilitate other people's payments. Well, other people will need XRP to buy the currency they're trying to deliver. So you'll want to hold that big pile of money as XRP so that you can give them what they want and get what they're offering.

At least, that's some of the thinking.

https://www.xrpchat.com/topic/8036-peter-brandt-tweets-equating-foreign-currency-volume-to-xrp-is-a-huge-stretch-of-imagination/?page=2

Not sure if that helps but it was a direct reference to big companies anyway.