It may be very difficult for XRP to make it the to top 3 cois because, in my opinion, XRP is focused on bank sector, to help them speed up cross-border payments and reduce fees.
Again, Some see Ripple as going against what cryptocurrencies should stand for, which is why many don’t like the standard.
Another common criticism of Ripple XRP is that it’s not decentralized like Bitcoins and other cryptocurrencies. The company created all coins before the launch and still owns more than half of the supply. I think it take a long time for Ripple to make it the to 3 of cryptos ranking.