XRP is pointless, and the entire industry knows it. Ripple labs has to pay people to use it, and that is not an exaggeration.

Ripple Labs uses their massive cache of worthless tokens to pay affiliate crypto projects to use XRP, and the smart ones just take the money and use XRP like a useless extra-step; a sub-second polyfill when they need to move value between two different crypto units. Ripple then promotes XRP as a "solution" used by all these affiliates.