How can I transfer money to bank using ripple platform?

One real quick question can I use any of the ripple packages to transfer money from wallet to bank account and vice versa… ?

for instance
Use case 1
Bob send money via wallet to Alice and money gets stored in Alice wallet
Note - we can implement the above scenario using xpring-js

User case 2
Bob send money via card to Alice and money gets stored in Alice bank
How this use case we can achieve

for instance packages like - ripple-lib, xpring-js etc

please correct me if my understanding is wrong… thanks in advance

Short answer: no. You’re going to need to use an exchange or similar service to bridge that gap.