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 come forward to the positive aspects of Bitcoin, then it will be possible to consider only Bitcoin as the future payments.
It could be yes or it also could be no, bitcoin I guess will not be able to use as a payment method because of the ridiculous fee as of now and the speed of transactions are quite low compared to XRP. I guess, bitcoin is a store value as like a gold digital asset were you can store for the long time.
XRP is different, fastest and safest rate of fee but I will not trust this for storing value of fiat currency. XRP is means of payment and bitcoin is meant for storing value. I'm extremely in favor of XRP as a good payment aside from bitcoin, but storing value, bitcoin is always the best.