Ripple’s XRP token has been in an ongoing struggle to hold the $2 level, recently slipping to $1.92. The token is not far removed from a multi-month low as the once high-flying altcoin looks poised to end 2025 on a poor note.

The recent downturn marks another disappointment to investors who had banked on XRP’s positive developments earlier in the year. XRP is arguably in a better position now than in prior years, yet the token remains subject to the same selling pressure as the broader crypto market.

By contrast, projects that deliver tangible utility and cash-flow-like benefits can better retain investor sentiment. This is especially true for Digitap ($TAP), a crypto presale project behind the world’s first “omni-bank.” Digitap is a top altcoin to buy because it’s built as a future-proof bank app that provides immediate value to users that translates into multiple revenue-generation streams.

Why Digitap’s Banking Features Stand Out In A Weak Market

Digitap’s fintech bank app is already live and lets users send, receive, store, save, invest, swap, and spend both fiat and crypto seamlessly. Essentially, it is an all-encompassing financial app that merges crypto with traditional banking services.

What sets Digitap apart from other crypto presale projects is that it has already deployed much of its promised functionality. The Digitap mobile app is available to global users and offers advanced features like multi-currency accounts, crypto wallets, instant crypto-fiat swaps, IBANs for international transfers, and much more.

Digitap even has a Visa card integration that lets users spend their balances anywhere Visa is normally accepted. Users can even load their Visa card with crypto for everyday purchases, and the app automates a swap at the time of purchase.

By providing a bridge between the real economy and digital assets, Digitap is a fintech banking company that ranks as a solid altcoin to buy given its utility and resilience. Even when speculative trading is down, people will still find value in using the app as it offers everyday use cases like buying groceries or sending money abroad cheaply.

How Digitap’s $TAP Presale Helped Hedge 2025 Altcoin Losses

Amid the early stages of the bear market, Digitap’s crypto presale of its native $TAP token has been a notable success story. The project has raised nearly $2.8 million as it offers a unique presale structure. The presale was structured in tiers or stages, with the price of $TAP increasing after each round is sold out or complete. $TAP was first offered for sale at $0.0125 and inched higher week by week to its current offer price of $0.0383.

The more than 200% paper profit acted as a hedge for investors looking for opportunities outside of bleeding altcoins. Even a small portfolio allocation to $TAP would have offset major losses in the broader crypto market.

While this short-term narrative has made Digitap a compelling crypto to buy in a bear market, it is also built for long-term value generation. Fifty percent of the platform’s profits are allocated toward buyback and burn initiatives. This means the value of $TAP is aligned with the platform’s growth profile and is less correlated to outside factors, unlike multi-billion-dollar blue-chip altcoins.

To reward old and new investors and celebrate its successful presale, Digitap is hosting a festive Christmas-themed sale. Investors need to check the presale widget for daily deals through January 2 that include a bonus $TAP, platform rebates, discounted upgrades, and much more. But each present is time-sensitive, meaning once it expires, it is gone for good.

How XRP’s Macro Link Leaves It Exposed At $1.92

Digitap’s real usage stands in contrast with tokens associated with the banking industry, especially XRP. Ripple does have a real use case, notably cross-border payments via its Ripple network, although not at the consumer level. However, its price action historically is based more on investor sentiment and anticipated adoption than on current usage.

For example, XRP announced a series of high-level acquisitions meant to open new markets and expand its footprint. For example, the $1.25 billion acquisition of prime broker Hidden Road was meant to broaden its institutional offerings. Yet those moves failed to translate into sustained price strength and make XRP a shoo-in for the top altcoins to buy.

Instead of driving consistent demand, the token continues to trade as a macro-sensitive asset that rises or falls with broader market sentiment. This is to be expected for a top-five altcoin by market cap as it signals market leadership. Still, in a bear market, that correlation leaves XRP exposed, especially when investors shift their focus toward projects with visible, everyday utility.

Digitap’s Banking Model Backs Its Case As Best Crypto to Buy

XRP’s banking utility lies in facilitating cross-border transactions for institutions and payment providers. While that is significant, it’s somewhat niche and relies on third-party adoption. Moreover, XRP holders don’t directly benefit from network usage except through speculative price appreciation.

Digitap, on the other hand, is making a compelling case as the best banking utility crypto to buy ahead of 2026. It checks all the boxes that investors are looking for in a high-quality early-stage crypto presale project: a working product with real users, clear pathways to revenue, strong partnerships (i.e., Visa), and a token whose value aligns with the platform’s success.

This stands in contrast with altcoins like XRP that have been struggling for months to justify a high valuation in a risk-off bear market. While the bear market may persist for months, if not all of 2026, $TAP is a token that could continue to grow. People will still need banking services and access to a Visa card for everyday spending.

Discover the future of crypto cards with Digitap by checking out their live Visa card project here:

Presale https://presale.digitap.app  

Website: https://digitap.app 

Social: https://linktr.ee/digitap.app

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