XRP is not decentralized and looks like pump&dump coins. ETH is really decentralized because POW and has good developers headed by Vitalik Buterin. I beleive Ethereum is cheap now because they are solving scalability problems and unlimited supply in Etherium 2.0.
Banks don't need XRP coin so price is manipulated but banks will use Ripple, Ripple don't need XRP so it's price is overvalued.
Which of the two tokens would you suggest has better future?
I agree. Ripple is not decentralized and will be a prime target for such pump and dumps. Having pumped near 200% in under a week it's due for a large correction unless the whole market can continue to move upwards. i suspect that won't be the case and it will slow and with that XRP will fall back to around 30 cents. Eth on the other hand is still at a relatively low price and even if it falls I don't see it bottoming out much lower than $150.