BTC and ETH are the unambiguous blue chips.
XRP is centralized and even XRP's supply is centralized. Instead of acquiring XRP through mining, all 100 Billion tokens were minted when it was created. 40 billion of These are held in escrow in a smart contract that is set to release 1 billion into Ripple Labs Wallet every month. Essentially, over half the supply will be owned by Ripple in the future.
15 Billion have been gifted and sold to banks & institutions at cheap prices. If the institutional holders wanted to, they could easily dump the price of XRP and making it an extremely unsafe investment.
And don‘t forget that there is still the lawsuit problem with the SEC. Basically investing in XRP is a pure gamble until the lawsuit is resolved.