I wouldn't give props to Garlinghouse or Durov for the stuff they came up with. Ripple is shit and so is Telegram and their "privacy-focused" messaging app. Telegram is anything but privacy-focused.
I think Zhao has the largest contribution out there, offering a decent centralized exchange that moved as much away from KYC as possible while making their platform not only newbie-friendly but a very attractive way of bringing in new inevstors into the game..