@mjglqw
sorry mate but what do you mean in your post...sending xrp to coins ph xrp wallet and then convert to php is better?
It completely depends. Kasi kahit na mas mura at mas mabilis ang withdrawal fee(0.25XRP) pag XRP ang gagamitin mo, pag icoconvert mo ung BTC mo to XRP sa Binance, may 0.1% exchange fee. So kung 'better' sya o hindi depends sa magkano ung balak mo iwithdraw, kasi baka kainin lang nung 0.1% exchange fee ung funds mo pag icoconvert mo pa ung BTC mo sa XRP bago mo iwithdraw.