Crypto is all about timing. Investors can buy a brilliant project at a bad time. And an awful project at a good time. XRP and Hyperliquid are brilliant examples of the former. Excellent projects, but now that they have gone through their adoption curves and sit at multi-billion-dollar valuations, the upside is constrained.
Analysts are banging the table that the next cohort of winners will come out of the PayFi revolution—and several are already hailing Digitap ($TAP), the world’s first omni-bank, as the potential kingmaker trade of 2025 for retail investors.
Has XRP Peaked?
XRP built its name as the altcoin that would revolutionize cross-border payments. It partnered with major banks to service global payment corridors and has become one of crypto’s most popular tokens, especially among retail investors.
But this success comes with a cost. While short-term momentum looks strong, the vast majority of XRP holders are already in profit and are looking to distribute (sell) their holdings above $3. The easy money has already been made. And the risk-reward at this stage seems muted.
While XRP may grind higher in Q4, nobody is seriously forecasting a 20X move from here.
Can HYPE Grow From Here?
Hyperliquid is another textbook example of what happens when a project crosses the adoption curve. At $9, HYPE was a brilliant buy, but here, just below $50, not so much. It is already the world’s largest decentralized perps exchange, and HYPE has already achieved what most teams dream of—deep liquidity, massive volumes, and sticky users.
The buybacks make it a fantastic product and strong token, but from an investment perspective, the timing is wrong. Even a 2X from here would be incredibly impressive, but that won’t move the needle for most investors. HYPE has likely already delivered its best days.
Digitap: The Omni-Bank Built for PayFi
Digitap is tackling problems much larger than crypto—money itself. The platform is the first true omni-bank—a single front end where fiat, stablecoins, and crypto all live side by side. Users can deposit dollars, pay with stablecoins, withdraw in Bitcoin, or send remittances across borders instantly.
Under the hood, Digitap’s multi-rail architecture switches between blockchain rails and traditional banking systems like SWIFT or SEPA, whichever is faster and cheaper. To the end user, it feels like money finally behaves as it should in the 21st century: it moves in real-time without borders.
This is why analysts believe Digitap could be one of the best altcoins to buy now and is heavily undervalued as a leading player in the global payments space. Stablecoins have already proven demand, with over $300 billion already in circulating supply.
But stablecoins are only assets—they need an accessible, regulated, and easy-to-use front end. Digitap is that front end, and with Visa, Apple Pay, and Google Pay integrations already rolling out, it looks like the first crypto-native product that could onboard the next billion users.
Why Analysts See the Potential for a 55x ROI
Trillions move annually through digital payments and cross-border flows. The average global fee is still 6.2%. And if Digitap can capture even a fraction of this market, it translates into billions in volume. And with 50% of platform profits used to buy back and burn the $TAP token, very similar to the HYPE model, it would mean massive daily buy pressure for $TAP.
$TAP directly benefits from the platform’s success, and with a hard cap of 2 billion tokens and constant burns, this is arguably one of the strongest built-in scarcity engines on the market. And with the ability to join the presale before Digitap runs its adoption curve, that’s why several analysts are forecasting a 55X ROI from the current price of $0.0125.
XRP vs. HYPE vs. $TAP: Which Best Crypto to Buy Now?
The PayFi revolution marks a structural shift. Money is going digital, and the winners will be the products that make it usable for everyday people. Digitap is finally erasing the line between fiat and crypto.
Anyone buying today for $0.0125 will enjoy a 27% gain with the next stage price set at $0.0159. Fundamentals are in the driver’s seat this year, as shown by HYPE’s brilliant performance earlier in the year. In 2020, it was DeFi, in 2024, it was memes, and now in 2025, it is PayFi. And that’s why analysts are paying close attention to $TAP’s presale.
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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