USDT definitely has some bad rumour around it but USDC i don't think there's problem with it.
on the other hand, people keep putting their eyes on these two stablecoin that even at the slightest anomaly people will notice, I don't think these stablecoin is going anywhere soon, but so does XRP, instead XRP is ready for ETF filling,
both stablecoin and XRP aren't going anywhere.
USDT used to have a shady past. Not giving proof of its reserves and constantly "printing" new units is a huge red flag to many. But USDC is as trustworthy as it can be. Same as PayPal's PYUSD. Ripple joined the game a while ago with the launch of a new stablecoin. I'm not sure if it will be as much of a success as its competitors. It shouldn't have a problem reaching its goals now that the current Trump administration is pro-crypto.
XRP will continue to rise in price as long as the hype persists. I wouldn't expect much from it because it's a "centralized shitcoin", though. But to each, their own coin of choice. It's a "free market" (as in liberty), anyways.