That's a no brainer, BAT.

XRP is centralised, banks use the protocol NOT the coin or are making their own versions. They have lawsuit problems now as well. I don't really consider it a crypto.

BAT on the other hand has massive potential and is already being used on Brave desktop browser versions, mobile brave payments are on the way soon and it stands to take off big time then. Youtube creators can already receive BAT for their content without having to go through google.
Brave browser is very good, I've been using it from it's infancy, it's getting a lot of attention now and good reviews. The team behind it are solid, Brendan Eich (co-creator of Mozilla and creator of JavaScript) is a part of it and they know what they are doing.
Since BAT is used with Brave browser, the more Brave becomes popular so does BAT. It's going places for sure.