I still think USDT may take over both of them one day.
USDT is just a stable coin, how can it compete and replace ETH and XRP? But if you are talking only about market capitalization then this is probably true as the demand for stablecoins will increase drastically in the future as more countries are promoting their use. Especially the US, they are forcing stablecoins to be pegged to the USD and promoting their use with the aim of maintaining USD dominance. That would definitely send their capitalization soaring and reaching trillions of dollars is entirely possible.
If we talk about market capitalization, it could even threaten bitcoin's top spot and I wouldn't be surprised if that happens.
I didn’t understand why Charles-Tim says he thinks USDT which is a stable coin will take over XRP and ETH, the only aspects that comes to mind is just in market capitalisation where it might likely be possible, Cos the US is really driving the adoption even big companies are trying to implement the use of USDT for some certain payments.
For the OP, yes XRP is doing well it’s showing potential for growth but it’s only another Altcoin, it’s highly unlikely to reach the level of bitcoin, not to talk of replacing the dominant king of crypto. It can only replace SWIFT for now making across border payments easier .