I am sorry if this hurts XRP fans and Armies on here
I think XRP will be useless in future because there won't be any need for it's existence, it won't be needed as a bridge to converting crypto coins or currencies once Fiat moves to CBDC finally. Think about it and if you think that I am wrong do drop your reason why.
The very threat to CBDC is XRP for me, not BTC.
XRP does not have a good future, in fact its use tends to decrease day by day, because there are many competitors from XRP that can provide cheap fees to their users. even bitcoin only charges less than $ 1 fee on every transaction that is created so that XRP hopes to have a high value in the future is small.