In my opinion, XRP will not be able to replace BTC because a cryptocurrency that is centralized cannot be number one. If we talk about the cost of XRP in $20K, I think it's fantastic and this is simply impossible, the total supply of coins XRP is 99 billion.
Of course ripple not will replace btc, here even not need to to speak about this, ripple very narrow circle who uses at face value, on this I believe more in eth