There are lot others in market. Only things is not as poppular. The popularity came from youtube videos because people have followers on yourtube. Once they put the refferal link they all want to earn.
I got revolut this is best app you can exchange funds into 130 currency and use free in those countries. bext exchange rate and no fees is the best part. i also buy crypto in it as coinbase has huge charge. I got binance for rest as Revolut has only btc, eth and ltc.
the only thing i dont like from Ripple, its from the banks..... and bank people are the worst people of the world.