XRP Value Question

This question is about potential XRP value. It is my understanding that the perceived value of XRP comes from the potential for it being used for cross-border settlements. HOWEVER, digging into XRPs website, it seems as if the cross-border settlements will be executed on the XRP ledger, but any token can be utilized. To me this sounds like while XRPL maybe adopted, there is no guarantee that XRP will be the token used. Do I have that about right?