XRP vs. Stellar vs. Digitap ($TAP): How $TAP Emerged as the Payments Leader

Money is moving faster than ever, but some of crypto’s oldest payment giants are starting to slow down. XRP is slipping under pressure from heavy whale selling, while Stellar (XLM) can’t hold its breakout. Investors are asking the same question — what comes next?

The answer may lie in Digitap ($TAP), a new fintech token that’s grabbing attention with its early Visa integration and deflationary design. While XRP and Stellar fight to regain momentum, Digitap is positioning itself as the first platform that connects crypto and traditional finance in one live ecosystem. 

XRP and Stellar Lose Steam

XRP’s latest move below $3 came as large holders sent millions of tokens to exchanges. On-chain data shows a sharp rise in exchange reserves, which usually signals that traders plan to sell. At the same time, open interest in XRP futures has dropped from above $9 billion to $8.85 billion. This decline in futures trading means that institutions are stepping back.

The chart doesn’t look strong either. XRP has formed a descending triangle, a pattern that often leads to lower prices. If it breaks below $2.70, analysts warn of a fall toward $2.20 — another 20% drop. 

Stellar (XLM) has a similar story. After climbing in July, it didn’t manage to hold its bullish breakout and slipped back toward $0.37. Social data shows fewer people talking about Stellar, and its trading activity is drying up. The network’s social dominance has dropped from 1.72% in mid-July to around 0.36% today. 

Support lies at $0.34, and if that breaks, XLM could fall another 10–15%. All signs point to XRP and Stellar losing strength, and many investors are already turning their attention to newer opportunities.

Digitap: The Payments Leader in 2025

Digitap ($TAP) is building something far more complete. It’s developing an omni-banking platform that connects crypto and traditional money in one place. The goal is simple — allow users to send, store, and spend both fiat and crypto through one account — no switching between exchanges and banks, no waiting days for transfers. 

Digitap’s partnership with Visa gives it a clear edge. Users will be able to pay at any Visa merchant directly from their crypto balance, without needing to convert it first. The platform also plans support for Apple Pay and Google Pay so that people can use their crypto with the same ease as cash.

Another strength is privacy. Digitap offers optional no-KYC onboarding and offshore accounts for those who value financial confidentiality, while still providing verified accounts for users who prefer compliance. That flexibility helps it serve both privacy-minded users and regular consumers.

Beyond payments, Digitap focuses on simplicity. It aims to make crypto practical for daily use — from sending money abroad to paying for coffee. This everyday approach could help it reach a much wider audience than XRP or Stellar, which mainly target banks and institutions.

$TAP Presale Heats Up as Token Price Set to Rise Again

The $TAP token powers everything inside the Digitap system. It’s used for payments, staking, governance, and loyalty rewards. Every action on the platform — from transfers to cashback — runs through $TAP.

The token has a fixed supply of two billion and follows a deflationary design. Half of all platform profits go toward token burns and buybacks, which reduces supply and supports long-term price growth. This approach rewards holders over time instead of relying on constant new buyers.

Digitap also offers staking through a fixed reward pool, which means returns come from a set reserve rather than endless token inflation. This creates real sustainability and encourages long-term participation.

The Digitap presale has become one of the most talked-about early investment opportunities of 2025. The current price of $TAP is $0.0159, and it will rise to $0.0194 in the next round. Investing in Q4 is especially important, as this phase offers a rare window to enter before major exchange listings and global rollout.

What Crypto to Invest in Right Now?

XRP and Stellar helped shape the past decade of blockchain payments. They proved that sending value across borders could be faster and cheaper than using banks. But both projects are now struggling to expand beyond that original idea. XRP depends on institutions, and Stellar’s consumer traction remains weak.

Digitap, on the other hand, is designed for today’s user — someone who wants one account for all money, whether it’s cash or crypto. The Visa connection, deflationary model, and real-world use cases make $TAP stand out in a crowded market.

Analysts who follow new fintech tokens suggest that Digitap could outperform older networks by a wide margin once its app launches and listings begin. With strong tokenomics, a low entry price, and tangible payment utility, it fits the profile of projects that often see the biggest early gains, which makes it a top crypto to invest in right now.

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