XRP is very good at paying, but it's still limited because XRP is still under the control of the team and Bitcoin is still the most secure crypto.
Nothing can defeat bitcoin because it is unique among others and its functionality won't be replaced. It is the long crypto and the foundation of all where there price of other coin depend on it also. I do not think that there is something that can replace it and not even think that it is dying because it is more safe yo invest with.