Forget XRP Below $2.60—Here’s Why Digitap ($TAP) is the Best Altcoin to Buy for the Banking Boom

XRP tried to break out above $3 in early October and failed. Now, XRP rejected at $2.70 and sits pinned below $2.60. Lower highs since early June make the case for distribution, and each bounce is fading faster.

But the wildest part is that the banking boom and cross-border trade are more alive than it has ever been. Digitap ($TAP) is the new vehicle and has sprinted past $1.2 million raised as investors FOMO into the only app designed to support how money actually moves in 2025.

Digitap is offering stablecoins for speed, bank rails for reach, and a front end that speaks both languages—here’s everything investors should know about what could be the best altcoin to buy for the banking boom. 

Can Ripple Ever Recover? XRP Price Prediction

The chart structure suggests the market no longer believes Ripple’s story. A failed expansion at $3 earlier in October, and a collection of lower highs since June this year. And if XRP cannot hold the 50-week moving average, it looks like the next stop will be sub $2.

Ripple's largest problem is the ongoing stablecoin gold rush. XRP’s vision to modernize cross-border payments remains a massive market opportunity, but the XRP Ledger has been sidelined in favor of stablecoins. Now that stablecoin-centric chains like Plasma are already online, and chains such as Tempo, backed by Stripe, are coming to market soon, there is less and less reason to adopt the Ripple ledger.

As these chains gain more adoption and more transactions settle in stablecoins, this raises questions about XRP’s massive $155 billion valuation. And that current price action is smart investors and whales sniffing this out—any XRP price prediction above $5 by the end of the year is not looking good here. 

Digitap: The World’s First Omni-Bank

Digitap is the world’s first omni-bank. The easiest way to explain it is to give an example of the flows it manages. Users can instantly swap crypto to fiat—a helpful feature during market crashes. They can send cross-border payments that arrive in minutes at a cost of less than 1%. An enormous improvement on standard cross-border transactions, which can take days and cost an average of 6.4%. And they can hold fiat, stablecoins, and crypto in a single balance.

The Visa card means any on-chain balance is now spendable anywhere that accepts Visa. The Digitap routing AI ensures users get the best price at the point of conversion, whether that’s from an OTC desk or on-chain DEX.

Under the hood, multi-rail architecture works overtime so the user doesn’t have to think about anything. Any time a user hits send, the routing engine activates and searches for the best outcome over multiple corridors—sometimes a public chain, and sometimes ACH, SEPA, Faster Payments, or SWIFT.

The interface feels like a neobank, but value moves like crypto. No more managing multiple accounts, and no more delays. This is a consumer-first application, downloadable today, that solves trillion-dollar inefficiencies and brings money into the 21st century. 

The $TAP Flywheel

The $TAP token design closes the loop perfectly—50% of platform profits go to token burns and rewarding stakers. The total supply is capped at 2 billion, and if Digitap sees aggressive adoption, $TAP could become the most deflationary token on the market.

Most altcoins don’t share revenue with holders—and that’s why they have performed poorly this cycle. But with $TAP, every card payment, every cross-border transaction, and all actions on the platform drive more token burns.

At the current price of $0.0268 $TAP looks very attractive to anyone bullish on stablecoins and a crypt-banking boom. Set to rise to $0.0297 in the next round and list at $0.14, anyone participating in the presale has a massive head start and enters on the ground floor. The presale raising $1.2 million in record time suggests that whales are already accumulating at these levels. 

Why the Banking Boom Favors $TAP Over XRP

The 2025 banking boom is all about stablecoins and the applications that can get them into the real economy as fast as possible. Ripple went after institutions, whereas thousands of users are downloading Digitap today and using the Visa card.

On top of this, Digitap’s rail-agnostic approach means new stablecoin networks and cheaper bank corridors benefit its services. It can continue to add new lanes and compound into a more efficient ecosystem.

Digitap’s approach is almost unheard of in the presale game: already live, processing revenue, and onboarding users before listing. This bottom-up approach appears to be working, and the case for listing $TAP as the best altcoin to buy now grows stronger each week. 

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