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The "Santa Rally" has officially left XRP behind as 2025 nears its end. Ripple’s native token has spent the final weeks of December pinned painfully to the $1.87 range, struggling to break resistance despite broader market optimism. For the institutional investor, this consolidation represents a safety net, but for the "banking degen" seeking genuine alpha, XRP has become a dead zone of capital efficiency.
As capital grows restless in this sideways chop, a new contender has emerged to capture the liquidity of users who actually want to use their crypto, not just watch it crab sideways. Digitap ($TAP), currently in its crypto presale phase, is being hailed by analysts as the superior play for 2026, offering the kind of asymmetric upside that a mature, $100 billion market cap asset like XRP can no longer provide.
Throughout December 2025, XRP has arguably become the victim of its own success. Following the approval of spot exchange-traded funds (ETFs) and its deepening integration into traditional finance settlement layers, XRP has effectively transformed into a beta proxy for the conservative banking sector.
After rejecting the $2.00 psychological resistance earlier in the fourth quarter, the token has compressed into a tight, suffocating trading corridor between $1.82 support and $1.93 resistance.
The problem for the growth-focused investor is simple mathematics. For a portfolio to double its value on XRP from the current $1.87 price point, the asset would need to surge to nearly $3.75.
Such a move would require an influx of nearly $100 billion in fresh capital, a feat that typically plays out over multi-year cycles rather than weeks. The prevailing market sentiment is that XRP is now a defensive asset, a place to park capital to avoid losing it, rather than a vehicle to multiply it.
Digitap is positioning itself as a consumer-first banking layer for crypto. Rather than focusing on institutional settlement rails, the platform is designed around everyday financial use, holding, swapping, and spending digital assets with minimal friction.
At the center of the ecosystem is a fully integrated omni-banking system that connects crypto balances directly to Visa payment rails. Users can spend their assets instantly at merchants, without relying on centralized exchange withdrawals or third-party off-ramps. This removes one of the biggest pain points in crypto: converting gains into usable money.
Where Digitap clearly separates itself from legacy banking tokens is in how value flows back to the token. The platform earns revenue from real financial activity, primarily merchant interchange fees generated through card usage and transactions.
Rather than relying on speculative demand, this revenue is used to support the token directly. A portion of profits is allocated to buying $TAP from the open market and removing it from circulation. This creates consistent deflationary pressure that is tied to usage, not market sentiment, making it the best cryptocurrency to buy now.
Digitap stands out as the top crypto to buy now because it combines three critical elements that are rarely present together in a presale: a live product, a working revenue model, and a clear path to mass adoption.
First, execution risk is already reduced. The platform is operational, not theoretical. Users are actively spending crypto through Digitap’s banking system today, which places it ahead of most early-stage projects.
Second, Digitap’s economics are aligned with users and investors. Revenue is generated from real transactions and reinvested into the token, creating a feedback loop that rewards growth rather than speculation.
Finally, timing matters. As crypto adoption moves toward everyday payments, platforms that function as consumer banks are likely to scale faster than institutional settlement networks. Digitap is entering 2026 as a hidden crypto gem positioned at the intersection of usability and early-stage growth, offering upside that large-cap banking tokens can no longer provide.
XRP’s role in global finance is becoming more defined, but also more constrained. It offers stability, regulatory clarity, and long-term relevance, but limited short-term growth potential.
Digitap represents a different opportunity. It targets the active crypto user, focuses on real spending, and operates at a valuation level where adoption can materially change outcomes.
For investors seeking what crypto to invest in right now, the shift is no longer about which tokens are the most popular, but which platform becomes the bank for crypto users.
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
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Disclaimer: Analytics Insight does not provide financial advice or guidance on cryptocurrencies and stocks. Also note that the cryptocurrencies mentioned/listed on the website could potentially be scams, i.e. designed to induce you to invest financial resources that may be lost forever and not be recoverable once investments are made. This article is provided for informational purposes and does not constitute investment advice. You are responsible for conducting your own research (DYOR) before making any investments. Read more about the financial risks involved here.
