At the 47min mark of Kristina Corner's interview of Ripple's @JoelKatz , he says three significant things in rapid succession before closing:

1) He dismisses idea that Ripple's escrow is spoken for as "conspiracy theories"

2) Says Ripple is "working on regional clearing partners which are banks that have RippleNet connections to numerous other banks in that region … so you can sign up with RippleNet as an institution and get clearing into an entire region"

3) Ripple is "also looking into offering...things like loans, or ...DeFi services to institutional partners. One of the unique things that Ripple has, is ...our software in the tx flow of all these financial institutions... and can offer it immediately..."

Thanks to @RuleXRP for capturing the video and @ADingoAteMyXRP directing to it. All spelling/misquote errors are mine.