Digitap ($TAP) Hits $4M Raised While XRP Stalls at $2.07: Payment Altcoins Lead the Best Crypto to Buy Now Race

The cross-border payments market exceeds $200 trillion annually, yet fees, delays, and access issues remain common. For a long time, XRP was seen as the leader in this space, built to move money quickly between institutions.

That narrative is starting to shift. XRP trading around $2.06 shows the slowdown facing mature payment tokens, where momentum has been hard to sustain. At the same time, newer projects focused on everyday users are picking up speed. 

Digitap ($TAP) is one of them, having crossed $4 million raised in its presale while already operating a live payments app. As investors search for the best crypto to buy now, payment altcoins built for real use are moving back into focus.

XRP Stalls Near $2.06 As Momentum Fades Across The Market

XRP’s recent performance mirrors the broader market slowdown. Total crypto market capitalization dropped around 1% over the last day following a strong weekly advance, signaling profit-taking rather than panic. 

Bitcoin’s rejection near the $97,500 level reduced risk appetite across the board, and liquidity-sensitive assets like XRP amplified that move.

From a technical perspective, XRP is trading close to $2.06 after slipping below its short-term moving averages. The TradingView chart with volatility bands and RSI shows price consolidating below the 7-period smoothed moving average while RSI sits near the low 40s. 

This suggests weak momentum but not yet oversold conditions. Resistance remains near $2.09, while downside tests toward the $2.02 region remain possible if buyers stay cautious.

On-chain data adds pressure. Whale transactions recently surged, with notable exchange inflows suggesting distribution rather than accumulation. Historically, these clusters often appear near local highs, reinforcing the view that XRP may continue consolidating before any meaningful recovery. 

In this environment, traders watching XRP are increasingly scanning for alternative cryptos to buy, offering clearer upside asymmetry.

Digitap Named as The Best Payment Altcoin to Buy While Large Caps Lose Momentum

While XRP remains largely dependent on macro sentiment and liquidity cycles, Digitap is positioning itself as a functional payments ecosystem rather than a speculative narrative. 

At the center of the ecosystem is the $TAP token, built on Ethereum with a fixed supply of 2 billion tokens and no inflation. The design focuses on real-world usage through payments, staking, governance, and fee discounts rather than hype driven emissions. 

Holders can stake $TAP for high yield returns during the presale phase, access VIP tiers within the app, and benefit from a community reward pool of 240 million tokens allocated specifically for incentives and giveaways.

This utility-driven structure is why Digitap continues to appear in discussions around the best crypto to buy now, especially among investors prioritizing control, privacy, and tangible use cases during uncertain market phases.

What $0.0427 Means Against a $0.14 Launch Price

Digitap’s crypto presale structure is where the comparison becomes more quantitative. $TAP started at $0.0125 and is currently priced around $0.0427, with the next stage moving to $0.0439. The confirmed launch price is $0.14.

From a simple pricing perspective, this means current buyers are entering at roughly one quarter of the launch valuation. A move from $0.0427 to $0.14 represents nearly a four times price difference locked in before public trading begins. 

Importantly, the presale stages are progressive, meaning each completed stage permanently raises the entry price regardless of broader market conditions.

The presale itself is advancing rapidly, with recent rounds over 70% completed and total funds raised now exceeding $4 million. For investors evaluating crypto presale opportunities and filtering altcoins to buy based on asymmetric setups, this structured price ladder stands out.

Security also plays a role. $TAP smart contracts have been audited by Coinsult and SolidProof, addressing one of the biggest risks associated with early-stage tokens.

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What to Watch Next As Capital Rotates to Payment Altcoins to Buy 

For investors scanning the market for the best crypto to buy now, Digitap’s appeal lies not in outperforming established giants overnight, but in capturing early-stage growth before exchange liquidity arrives. 

The next key variable to watch is presale progression. As stages close and prices step higher, the window for early entry narrows. In a market defined by patience and selectivity, Digitap is emerging as a notable altcoin to buy now for those prioritizing utility, structure, and controlled upside.

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 

Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway