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?
Same experience here. Simula noong nagstart magaccept ng XRP ang Coins.ph ito na ang madalas na ginagamit namin magkakaibigan kapag magsesend ng transaction dahil nga mas mabilis ito at mas mababa ang transaction fee. Ang alam ko kasi nakadepende talaga ang mga fees kung anong exchange ang gamit mo, kahit ito ay decentralized o centralized exchange. Pero minsan nakadepende sa isang coin kung gaano kalaki ang transaction fees.