How it's possible to peg 1:1 if it's only 1.2 billion oz in the Central Banks reserves vs 100 billion xrp emission?

In my opinion, public and private ledgers must be separated and isolated for privacy reasons. Each bank can mint its own stablecoin on its private ledger and set any desired exchange rate. These unique stablecoins can be used for internal transactions, boosting speed and cutting costs. For interbank transfers, banks can switch to a public ledger (even batching transactions for added privacy) and use XRP as a unified reserve currency. The glitches we observe might be caused by exchange rate discrepancies between internal stablecoins and XRP—especially if some banks label their stablecoins as “USD.” This approach addresses all major concerns: 1.Isolated sandboxes for each bank 2.Legal use of the technology even while the SEC sued Ripple 3.Isolated A/B/N pricing experiments 4.Transaction privacy for each institution 5.Hidden interbank transaction tests without impacting XRP’s market price 6.Time buffer for technical upgrades, giving each player time to prepare for “day X” 7.No scalability issues This method enables each bank to test XRPL internally and be technically ready for a coordinated switch—potentially leading to a major XRP price move.