Ripple (XRP) remains a legacy household name in crypto, backed by its $178 billion market cap. However, multiple attempts throughout 2025 to meaningfully break above $3 and push toward the $4 level have failed. At its current price of $3.04, investors are questioning just how much upside potential is left?
For a coin that already ranks as the fourth-largest crypto project by market cap, a 2x or 3x return would require breaking into uncharted territory. XRP’s 450% return over the past year and inability to show any sustained momentum imply the once-meteoric rise has now leveled off.
For new investors considering XRP near $3, the realistic upside scenario is difficult to quantify. Does XRP deserve to be worth more than Binance (BNB), which currently boasts a $185 billion valuation? One would struggle to make this case.
Contrast this with Digitap ($TAP), an under-the-radar newcomer that operates the world’s first “omni-bank.” Digitap’s live app is generating the type of buzz that XRP wishes it had: real-world utility, deflationary tokenomics, and surging investor momentum.
No FOMO For XRP Holders
XRP has already returned 50,000% to early investors, and expectations for continued gains are slim. The reality is investors buying XRP at $3.04 are simply late to the party, and its market cap is too large to justify big gains from here.
A 10x return would require an unprecedented amount of fresh capital and would value XRP at over $1 trillion, ranking it roughly as the 30th-largest asset in the world.
Best-case scenario for XRP would be a 2x or 3x return, and this requires a lot to work in its favor, including progress with U.S. or European Union Tier-1 banks moving Ripple’s rails into full production, a regulated exchange-traded product attracting new investors, or a large remittance partnership.
Without most of these boxes ticked, even a clean 2x return is a stretch, especially after CTO David Schwart’z sudden departure from the company.
Digitap Offers Ground-Floor Potential
Digitap, a fresh upstart crypto, is drawing comparisons to XRP’s early days. Digitap isn’t just a meme token hoping to gain virality; it already offers what can be considered a financial super-app that combines crypto and fiat in one wallet. Users can download the app on their Apple and Google devices or access a web version in a browser.
Digitap’s app lets users deposit, withdraw, send, receive, spend, and transfer between currencies with ease. The platform can transfer fiat to crypto or the other way around in one go. Users can take advantage of a Visa-branded physical and digital card to spend their money wherever Visa is accepted globally.
This kind of functionality and real-life use case resonates with users in a way that XRP’s back-end utility never did, making Digitap one of the best new crypto to invest in 2025.
Perhaps most important, Digitap’s presale stage comes with a free trial. Currently for sale at $0.0125, $TAP allows potential investors to try out the product themselves before buying a single token.
Visit Digitap Presale
Digitap is at the intersection of several mega-trends: fintech, crypto banking, DeFi, and financial inclusion. Armed with a live product, crypto whales would understand the foundation is already laid, making a 50x thesis seem credible. The first presale round is more than 90% sold out, and a jump to the next price of $0.0159 is imminent.
For retail investors, this more than 25% price increase at such an early stage offers a ground-level opportunity and a head start toward a potential 50x return over the coming years.
Digitap Offers the Better Risk/Reward Profile
If Digitap achieves a $1.25 billion market cap in a few years, which is feasible if it becomes a popular crypto banking app, the token would be worth around $0.50 (fixed supply of 2 billion tokens), representing a 50x return from the current presale price.
Digitap operates in a category of its own, making it difficult to compare it to its peers. The closest fair comparison would be Coinbase, which trades on the Nasdaq and boasts a $98 billion valuation.
The math behind this logic implies Digitap needs to be worth just 1/78th the size of Coinbase to justify a 50x return. Investors asking which crypto will explode in 2025 may have found the answer.
XRP, on the other hand, is like a rocket that has already left the atmosphere. The easy money has already been made, and early investors can pat themselves on the back for recognizing a huge project in its early days. As such, its trajectory is very limited moving forward, so investors looking for a 50x return face an obvious choice.
Digitap is Live NOW. Learn more about their project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
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