I know of digitbyte. It's one of the best proven payment systems.
It's not on my fiat exchange, so I'll still have to use xrp, but I'd actually hodl digibyte. I think POW makes much more sense for security than staking and I don't have to worry about whales, exchanges, or institutions messing with me.
There are lots of payment tokens far better than xrp to transfer money. I'm still waiting as I think the investment phase for that was 2020.
Good tip. Maybe I'll add it to my watch list.