I agree with you. XRP is one of the fastest way to transfer cryptocurrency from one address to another. Everytime I withdraw money too, I convert any cryptoassets to XRP and transferring it to the local exchanger where I can convert it for my countries FIAT. It is undeniably one of the key for fast transaction payments.

But as of today, there are a lot of alternatives. For now I use USDT TRC20 as payment. Lesser fees and fast transactions too.

Overall, XRP or Ripple is better fit as a payment solution. If maybe in the future, it will become a stablecoin, it will be surely accepted as a way of payment from across borders as what is it used now. One of the problems of cryprocurrency specifically Ripple with very good use case is the volatility of it.