Crypto rails are changing monetary rules globally, and the battle for who controls money is no longer between banks and crypto. It is being fought by platforms racing to merge the two systems into a single seamless experience. Analysts are calling it the fintech arms race, and 2025 is the year it will reach maximum velocity.
There is everything to play for, and the winners will define this cycle. On one side are infrastructure experiments like BlockDAG, promising new levels of scalability. And on the other is Digitap, the world’s first omni-bank, a live product already reshaping how people use money in their everyday lives.
The question is simple: who wins? The answer at this stage is Digitap ($TAP), which is blowing away its competition. Here’s what investors should know.
BlockDAG: Infrastructure First, Adoption Later
BlockDAG aims to win the arms race as a technical innovator. It replaces traditional blockchains with a directed acyclic graph structure. This sounds complicated, and it is. But the takeaway is that the chain will enable parallel transactions, much like Monad and other high-speed blockchains.
It is a clear plan. Build infra that can support high-speed transactions, the type of scalability needed for institutional-grade systems. But the challenge for investors is BlockDAG’s raise. The presale has been ongoing for months and months, and the market cap is already in the hundreds of millions, even though the token hasn’t launched.
Even if it delivers superb performance, it will only be valuable if developers decide to build on the network. Its success hinges on others, and as often in crypto, the project that moves fastest will likely win the spoils.
The World’s First Omni-Bank Arrives
Digitap is approaching the arms race from a different direction. It is focusing on getting an application into users’ hands from day one. Its omni-bank app is live on iOS, Android, and desktop, meaning investors can try the app before participating. It combines deposits, transfers, and payments into a single dashboard. Forget about having a dozen wallets and apps. With Digitap, every form of money—from dollars and euros to Bitcoin and stablecoins—sits in one interface.
Transactions settle in seconds because the platform has integrated traditional banking rails (SWIFT, SEPA, ACH, Faster Payments) and blockchain networks. The user never has to think about whether they are moving fiat or crypto. Money simply moves as fast as information does online.
While competitors focus on either banking or crypto, Digitap has erased the line between them. And that simplicity is why it is winning the Fintech arms race.
The Digital-First Future of Money
And most users don’t understand the scale of this race. 2.5 billion people already use mobile banking, set to climb to 3.6 billion in 2030. Crypto already has more than 560 million users, and cross-border payments are expected to reach $290 trillion by 2030. These global flows are worth trillions.
And whoever captures these flows will likely end up in the top 50 crypto projects ranked by market cap. Analysts point to Digitap as the front-runner. It is the first true omni-bank, built for a digital-first century where money must be fast, borderless, and fluid.
Best Crypto To Buy Now: Digitap Takes the Lead
BlockDAG is a highly attractive potential infra play. But Digitap already has users moving money in the real world. It erases the line between fiat and crypto, and anyone can join today and get a Visa card without completing KYC.
With a live product and mainstream-ready features, the current presale price of $0.0125 looks very undervalued. Soon, the presale price will jump to $0.0159, meaning early buyers will already be in profit before the $TAP token launches.
The Fintech arms race will create many multi-billion-dollar projects. And Digitap looks set to define the category itself—it is no surprise analysts are calling it the best crypto to buy today.
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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