XRP isn't a cryptocurrency too because of its centralized design, but most people don't see it that way. Many people are into crypto just to make money rather than believing in its core technology to change the world for the better. Binance's "BNB" token may be centralized just like Ripple's "XRP" token, but it enjoys of massive adoption worldwide thanks to its utility for crypto trades. XRP is full of hype, mostly with its bank partnerships without delivering concrete results to the public. As far as both BNB and ETH go, the latter is (and will always be the winner) because of its first-mover advantage in the altcoin market. But there's always a place for BNB as Binance patronizes it in every way. With smart contract features and a higher TX throughput than ETH, BNB could gather the likes of mainstream businesses and companies alike.

In summary, BNB will become the "cryptocurrency" for businesses and companies alike, while ETH will become the "De-Fi" platform for everyday people. Each person will choose one crypto from the other depending on his daily needs. It's not a matter of which coin is better, and which is not, but rather how Blockchain technology can be useful for mainstream finance. And so far, both cryptocurrencies do a great job in delivering secure and reliable payments to the world where even the "unbanked" can take part in the system. If put to good use, both BNB and ETH could complement each other in ways we wouldn't have imagined. As far as trust goes, most people will choose ETH on top of BNB for a very good reason. Just my opinion