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Ripple’s quiet pivot has captured attention across crypto markets, as the company shifts focus from traditional payments toward crypto assets, prime brokerage, and corporate treasury solutions. After seeing $500M in funding, the firm is now valued at $40B.
Amid this transition, investors are increasingly scanning for payments-focused altcoins to buy. Digitap ($TAP) is emerging as a standout, offering a live omni-banking platform where users can manage crypto and fiat seamlessly.
Its working product, tiered KYC options, visa integration, and fixed crypto presale pricing create a rare combination of safety, usability, and growth. As Ripple diversifies, Digitap positions itself as a leading crypto to buy for investors seeking next-gen payment solutions.
After acquiring multiple companies, Ripple is shifting its focus from payments to crypto asset management, prime brokerage, and corporate treasury solutions. This shift aims to provide institutions with scalable and compliant infrastructure. For investors, the pivot signals a maturation of the company’s business model, with a focus on high-value financial services rather than retail adoption.
Ripple has long been seen as more of a corporate token than a retail payments coin. Over 50% of XRP is owned by Ripple Labs, a corporation with centralized control. While it can provide payment services, it was never going to be an ecosystem for mass adoption of payments. But the move reinforces its position as an institutional ecosystem.
Analysts contrast Ripple’s pivot with consumer-facing apps, noting that while large-cap movements create headlines, sustainable growth may depend on real-world utility and revenue streams. This makes attention to functional platforms essential, especially in a bearish market environment where capital preservation is key.
The move also illustrates why projects like Digitap are gaining attention. By offering live banking services with both crypto and fiat, seamless card usage, and tiered privacy options, Digitap mirrors Ripple’s institutional ambitions but packages them for broader retail accessibility.
Ripples pivot leaves a gap in the payment space that Digitap will be seeking to fill. As the world’s first omni-bank combining fiat and crypto, it offers deposits, withdrawals, payments, swaps, and transfers through a single account. Transfers can be completed in seconds via Visa-compatible card payments worldwide, with cashback rewards.
The omni-banking platform provides users with full crypto and fiat management in one interface. Early adopters benefit from integrated wallet services, seamless swaps, and multicurrency IBANs. This functionality is already operational, setting Digitap apart from hype-driven crypto presales that offer only promises.
Platform adoption directly supports token demand — 50% of profits fund token burns and staking rewards, creating a deflationary dynamic. Users can access these features instantly, even in a bearish market, providing capital protection and predictable utility. The app also supports discrete KYC tiers, allowing users to control the level of personal information they share.
As institutions and retail participants look for reliable presale opportunities, Digitap’s combination of live utility and privacy controls makes it one of the best cryptos to buy. Its payment application can be downloaded on Android or iOS within minutes for immediate payments across the globe.
In the context of dominating the trillion-dollar payment industry, user control and privacy cannot be ignored. Retail users are not satisfied with getting their accounts closed or having their transactions monitored. Digtap has a tiered KYC model where users can select which option suits them best.
The three options are a no-KYC wallet, a virtual account, or a professionally managed offshore banking plan through licensed partners. Stealth mode is in operation 24/7 by default, ensuring all transactions are private and anonymous. Digitap has undergone two smart contract audits on its code, available from Coinsult and SolidProof.
Digitap merges fiat and crypto banking in a fully compliant manner, while preserving user privacy. This could be the combination that earns it a spot as the next unicorn in the payments industry. At $0.0361, it also trades at a steep discount during an ongoing bear market. With the next stage rising to $0.0371, it offers predictable gains even in a downturn.
XRP, meanwhile, is down 22% monthly, hovering around the $2 mark. Market participants are increasingly directing capital toward Digitap as bearish conditions pressure traditional crypto assets.
As Ripple expands its services beyond payments, it may not be able to dominate. Its shift encourages investors to focus on altcoins to buy that deliver utility, privacy, and bear market resilience.
The Digitap crypto presale offers all three as the best crypto to buy, with a focus on easy-access, international services, and low-cost payments. Retail users can spend at Visa-compatible outlets worldwide, benefiting from immediate cashback, 124% APY, and $TAP is a token that holds its own during economic downturns.
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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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.
