XRP is pushing back into the spotlight on ETF-driven volume. But the real question is, is XRP still the best banking trade in 2026? This year, the breakout projects are utility-driven, and with favorable regulation, 2026 could be a massive year for banking altcoins to buy.
As utility starts to dominate, investors are scrambling to find products that are live and moving money cheaply, faster, and more simply for normal people. With a special focus on financial privacy as surveillance tightens.
The Digitap ($TAP) crypto presale keeps coming up in banking conversations, and it has adopted a different approach to Ripple. It is not chasing institutions first but going after users first. It has already partnered with Visa, and with its offshore banking access, $TAP is becoming a real contender for leading crypto to buy now in the 2026 banking trade.
Ripple went after institutions early. That strategy built XRP’s reputation as a cross-border payments bet that has survived multiple cycles. Recent ETF volume is a reminder that institutions still believe in the modernizing cross-border payments story and will pay for it.
XRP’s stablecoin RLUSD is also helping the story. It has crossed the $1 billion market cap since launching in December 2024, indicating that demand for digital dollar rails remains red-hot. The biggest limitation for XRP as an altcoin to buy is the starting point.
At a $130 billion-plus market cap, XRP is already aggressively pricing in much more adoption than it currently has. A move to $3 could be a strong trade, but that’s not even a 2X. That’s why smaller investors are seeking new banking plays, such as Digitap.
The offshore banking angle is driving massive attention in 2026, and the Digitap crypto presale has already raised more than $3.7 million. But why the focus on offshore banking and financial privacy this year? It is a response to tighter restrictions, increased compliance friction, and more surveillance and monetization of financial data.
Digitap’s strategy is to give users options. The entry point is simple. A non-KYC wallet-first experience. Then, there is a tiered path upward for users who want deeper banking features. The Premium and Pro tiers are where the offshore-style banking story comes to life. Providing global banking access with multi-currency IBANs designed for enhanced privacy and asset protection.
These account options allow users to hold and move money across borders without being trapped in one jurisdiction. And Digitap’s omni-banking services blur the line between fiat and crypto. Where Ripple went after institutions, Digitap is explicitly focused on the consumer layer.
It delivers a modern banking interface that feels familiar, then quietly upgrades the rails underneath. This approach scales because it matches how adoption actually happens. People do not care about the specifics; they just want a better app with a better financial experience. And Digitap’s multi-rail settlement, global money app, and Visa card are providing that reality today.
Digitap’s product is best understood as a bridge between two systems that still operate like rivals: legacy banking and crypto rails. The one balance approach is what makes the product feel like banking instead of crypto. Fiat, stablecoins, and crypto all sit within a single interface and can be spent, converted, or transferred without the user having to think in separate buckets.
Building a product stack that supports different privacy and compliance options is why investors are paying attention to this crypto presale, and it ranks among the most interesting altcoins to buy this year. The native $TAP token is currently priced at $0.0411, and 50% of platform profits are allocated to rewards and token burns.
While XRP remains a safe altcoin to buy, the banking trade in 2026 is shifting toward user-first platforms that make privacy a priority. That’s why Digitap stands out. Anyone can download the app today, and $TAP easily ranks as one of the best cryptos to buy now for banking and privacy bulls.
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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