XRP is centralized cryptocurrency and shouldn't be compared with any decentralized cryptocurrency, furthermore companies/bank make partnership with XRP because they need their technology such as xCurrent, xRapid and xVia where it's cryptocurrency or the blockchain isn't really needed and those companies/bank rarely use it's cryptocurrency.
But i won't dent XRP could overtake BTC in marketcap if they actively promote their cryptocurrency to investor and their technology to companies/bank and even raising their maximum coin supply