People mostly hold bitcoin by default for obvious reasons. Yes, cheaper transaction fees ang XRP, pero, kakailanganin pa munang iconvert ng isang tao ung BTC nya to XRP to be able to send XRP, so dagdag fees nanaman un. It'd be a lot cheaper to send BTC straight-off instead since sobrang liit naman ng fees ng BTC currently.
Based on my experience using XRP bilang pang convert para mas makamura, ilang beses ko na ginagawa ang ganitong method ever since coins.ph accepts XRP and TBH it is really much convenient kasi mabilis din yung transactions ng XRP compared sa pagsend ng BTC to BTC.* Also, BTC to BTC then BTC to PHP might cost you 5-10% of your money sent (though I have not yet tried because I wouldn't risk any money para lang sa proof). And lastly, diba nakadepende naman yung fees sa kung anong exchange yung pagsesendan ng isang user?
Because XRP is a scam and holding it will cost you way more than you "save" in cheaper tx fees.
Nah, hindi siya scam. May confusion lang kung crypto ba ito or hindi.* Sadyang yes centralized siya pero kung gagamtin mo lang naman sya for smaller tx fees, why not diba?
* - see ref here:
https://bitpinas.com/cryptocurrency/avoiding-bitcoin-transfer-fees-xrp/)