It won't be the future of payments, it'll be just like any other altcoins and cryptocurrencies that we have.
The future for digital payments if it's not bitcoin because it will be treated as a store of value, there will be those coins that are being endorsed by the government to the public which is likely to be the CBDCs.
I also think that XRP will not the future digital payment system rather it will remain just like now. I think only Bitcoin can be the method of future digital payment but depends on the acceptance of most part of world. Every got should comeforward to the positive aspects of Bitcoin, then it will be possible to consider only Bitcoin as the future payments.