There is a weird trend rn with new banks popping up with a combination of A)high APY B) high cashback rewards C) Fractional shares Of course each app/bank als

There is a weird trend rn with new banks popping up with a combination of A)high APY B) high cashback rewards C) Fractional shares Of course each app/bank also has a seemingly lucrative referral program. They all seem to also be back by the same handful of banks. Sutton Bank, Hatch Bank etc. Some examples: HMBradley Points Card TomoCard CashApp card SabelCard OnJuno Stash Etc.