Taking XRP transaction speed and fees I personally think XRP is a better fit for payment solutions in the crypto world. Sending XRP literally takes just seconds to reflect and the fees are extremely low.
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.
This is what I've been thinking about XRP too, XRP already has the needs and it being a stable coin will erase the volatility in XRP which will then surely push XRP as a payment solution in the near future. This is the only downside I see and what's been keeping XRP to be accepted as payment method/solution in our world.
i better like xrp to become a stable coin but with the same existing feature it have now but the value of xrp is also rarely moving so most of the time its like we are using a stable coin when we use xrp and many people infact call xrp a stable coin .
i havent tried to use a real stable coin so i cant tell if they are more better in terms of speed and fees but i only mainly use xrp for gambling and many gambling site that i use dont support usdt because usdt is said to have problems with gambling regulation .