Ripple's (XRP) focus is institutional money. But the value is in the payment rails, not so much the XRP itself, although it can also be used to transfer. However, given that they now have a stablecoin, it makes less sense to use XRP for bank transfers.

I'm more interested in Stellar, XLM, which does pretty much the same thing as XRP, but is focused on retail users. And XLM has an internal DEX for swapping between tokens, including stablecoins.

Solana seems like an Ethereum-like version of Stellar that has fixed some of the downsides of ETH, such as speed and transaction costs. But so did TRON.

I can't explain why XRP and Solana have gained so much market share.

I think where we all win is when banks start to use crypto. It will be massively difficult to roll it back the longer they come to rely on the "new" technology.