It appears that you are also not reading the news. Ripple will also have smart contracts in their new network built on XRP Ledger. This is their decentralized public blockchain which is speculated to be supported by big banks and big businesses.
Also, on what is considered Ethereum killer, this is measured by what the market is valuing more and this can only be determined by which one has the larger market capitalization.
Really? Then how come I haven't heard of any popular dApp being ported from ETH to the XRP Ledger? I'm talking about apps such as Uniswap, ENS, OpenSea, etc. XRP is just full of hype. Besides, you can't compare a "centralized shitcoin" against a decentralized one. ETH wins hands down if you're looking for a chain that's secure, reliable, decentralized, and censorship-resistant. If you only want performance, choose XRP or Solana instead.
I'm yet to see if Ripple's new stablecoin RLUSD will have a positive effect on XRP's market price over the long term. XRP already went down from its third place in market cap. It's currently the fourth-largest crypto by market cap. If the hype fades away quickly, it will be bye-bye to XRP for good.

but ripple is simply chosen for simple and pure speculation like all the other shitcoins, but I also believe that the adoption of the banks will make it strong one day we need to trust these guys from the banks who are still powerful and can have their say