Digital assets tied to real-world financial infrastructure are gaining massive attention ahead of the 2025 cycle. Banking tokens are at the center of this shift, offering fast settlement, borderless access, and new opportunities.
Among the most talked-about banking projects is Digitap ($TAP), which has quickly risen to the top of investor watchlists.
Analysts believe that the combination of regulation-friendly design, user flexibility, and fintech infrastructure could make these tokens the backbone of digital payments. Below are the top cryptos to buy in 2025, with a fintech focus.
Digitap sits at the top for a reason. It is the world’s first omni-bank, bridging traditional finance and blockchain. The app is already live on both the Apple App Store and Google Play Store, which sets it apart from most presales.
Users can sign up, hold stable fiat options, spend on cards, and move funds quickly during volatile market conditions. This live functionality makes it a practical solution, not just another promise. It is available for immediate use by remote workers across the globe, as well as the huge unbanked population.
The presale of $TAP has generated over $700K in revenue through the sale of more than 60 million tokens. The price is currently set at $0.0194 and will jump to $0.0268 at the next stage. 50% of the profits of the platform will go toward token burns and rewarding stakers with MORE tokens, therefore producing sustainable long-term value.
One of the key points of interest is the no-KYC element that allows for global access while still adhering to compliance structures. This, combined with a 124% staking APY which is compounded daily and a project driven as an active ecosystem, is familiarizing investors to have an entry point in fintech's future. Being a presale project at an early stage, there is much more upside potential versus an established project.
XRP claims the second spot as one of the best-known banking and settlement tokens. It is known for its fast, low-cost cross-border payments and has been partnering with banks and financial institutions for years. While XRP endured some legal trouble in the past, it has remained strong in the global payments narrative.
XRP is gaining price strength in 2025, trading over $3.0. Many analysts consider XRP a better and safer investment than other new tokens. While XRP has the infrastructure and brand recognition, a few investors are turning to new projects like Digitap for a higher upside and a modern FinTech option.
In addition, Ripple does not cater to the retail market, focusing only on large institutions. This severely limits its market use case since retail users are looking for a non-corporate coin that puts the user first.
Stellar has earned a reputation as one of the most trustworthy blockchain networks for cheap international payments. In particular, it has partnered with NGOs, fintech startups, and central banks interested in pilot projects with digital assets. It's been an international financial connector for quite some time, with XLM already in prominent in the bank token sell side.
In the latest trading activity, XLM appears to be maintaining relatively stable support levels after the recent sell-side decline. While not likely to generate "moon-shot" returns like its earlier launched peers, its reputable network and institutional interest keep it entrenched among competitive bank tokens. Some have characterized it as being a partner with XRP, as opposed to competing with XRP, and more focused on payment accessibility and micropayments.
World Liberty Financial is a newer entrant but has gained rapid attention in the decentralized finance and payments space. The project aims to build a banking alternative that merges decentralized identity, compliance-ready frameworks, and near-instant transfers. The project is linked to the administration of President Trump.
Both retail traders and a growing number of institutional observers have fueled WLFI’s traction in recent weeks. While it’s not as established as XRP or XLM, many investors see it as an under-the-radar pick with high upside if adoption continues to grow. Its presence on this list reflects the market’s appetite for new payment-focused solutions that are flexible and global.
Zcash stands out for a different reason — privacy. Unlike many mainstream payment tokens, ZEC uses zero-knowledge proofs to offer shielded transactions. That makes it attractive to users who want both speed and discretion in their financial activities.
There is still strong demand for privacy-centric assets. While regulators may challenge its model in some regions, it remains one of the most technically advanced networks for confidential payments. Its inclusion in the list shows that not all banking tokens have to follow the same playbook. Privacy can be a key differentiator.
Quant rounds out the list as a token that doesn’t just enable payments — it builds the infrastructure behind them. Quant’s Overledger technology connects different blockchains, allowing traditional financial institutions to integrate blockchain without discarding their existing systems.
QNT has been a favorite among institutional investors looking for scalable solutions. While its price is already higher than most tokens on this list, its value comes from utility rather than speculation. It provides the “plumbing” that banks and payment providers can use to connect to blockchain rails securely.
Digitap’s unique approach makes it stand out in a crowded field. Unlike legacy tokens that rely on partnerships with banks, $TAP focuses on building directly for users. This bottom-up structure mirrors how Visa disrupted traditional banking decades ago, but with a decentralized twist.
The live omni-bank ecosystem, zero-KYC onboarding, and built-in fiat options offer flexibility most competitors lack. Its profit-burning model and staking rewards also give it a huge advantage over other banking tokens.
The broader banking token market will likely grow significantly in 2025. But with its working product and investor momentum, Digitap is well-positioned to lead that wave, ahead of Ripple and other banking tokens. Many early backers believe this is the top crypto to buy before the next major bull phase.
Discover how Digitap is unifying cash and crypto by checking out their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
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