only possible if TOTAL3 market cap reaching all time high and the overall crypto currency market cap also having significant increase, because at that point XRP would be having FDV nearing bitcoin and significantly surpasses ETH.
maybe it's more realistic to say that XRP has the possibility of reaching $5 but $20 I don't think it will.
also there's possibility that money in alts gonna rotate to defi, have been seeing some defi going up as well aside from XRP.
moreover ETH ecosystem seems to be gaining traction.
When you say total 3 market cap, does that means it needs times 3 of its current market cap? Gee, I think that was indeed a lot and may not really be possible, so I can only feel sorry for those who have a really high hopes for this coin. If about the overall market cap to have a significant increase, I think this one is still possible because some or most coins are really great and are performing well, so others who aren't will only get a helping hand.
ETH and BTC can still get close to each other but XRP is just far away from them. It is still great after all that you set the line lower for it and just call 5 instead of 20. It may seem achievable now but it might take quite some time for the price to get there. On the other hand, I think DeFi and alts are still the same, so I won't say the money will still rotate into it.
Also, DeFi is old and have lots of negative feedbacks. Yet, there might still be a few projects that have survived but I don't think they will be on hype again and people start on running at them. ETH is well-rounded and not only DeFi can be found here but if there is some thing/s that is gaining a traction now, I think that will be SOL network again and then maybe a little bit of TON.