The XRP not so popular in the crypto-community, this is a fact. Still, it is one of the oldest, and since years, development and evolving happen. And if you watch the new numbers by ledger.exposed, you can see, there are more XRP-whale, than ever. And additionally, the smaller wallets are also more than usual, while its a common critics, XRP have a huge inequality in distribution.
The XRP does not want any financial “revolution”, or at least, not a bitcoin-like, but want to work with the current system, and regulators. Even if it need to sacrifice the decentralization, or a part of it. The BTC is perfect store of value, and good for accounting. But if you want to use your money in big volume, you have to find another solution.