XRP has no function whatsoever. BTC or ETH are actual blockchains that can execute code (ETH more complicated code than BTC) but XRP is just electronic token issued by an company

It is like VISA. And because the company issued 100 000 000 000 of these tokens, the market cap is really high.

Everybody complains about Tether. Ripple is much worse because XRP is not backed by USD and a much higher supply!!!