XRP, a payments giant, is getting outshined by a banking crypto presale that just switched on Solana deposits. Markets are evolving faster than ever in 2026, and the new cohort of winners is already emerging.
XRP is still the payments sector’s biggest altcoin to buy. It has liquidity, listings, and an institutional halo. But it’s also been in a bearish trend since the summer of 2025. Digitap ($TAP) is the opposite.
It’s early, it’s shipping, and it’s aiming straight at the biggest prize in crypto: making global finance feel instant, borderless, and mobile-native. Solana deposits are now live inside the global money app, with users able to deposit SOL, USDT, and USDC on Solana—an explicit step toward a multi-chain roadmap.
The market wants a payments winner, and here is why $TAP looks like a serious contender.
Why Payments Look Like the Big Trade This Year
Crypto regulation is improving, stablecoin supply is booming, and banks remain painfully outdated. All this sets the stage for a massive payments run in 2026. Crypto has already made sending money across borders as easy as sending a message. The last mile is getting stablecoins into people’s hands.
A massive wave of disruption is coming to payments. Fees, access, and time. Crypto beats TradFi at all. It is only a matter of time before the best altcoins to buy in the PayFi race start disrupting traditional finance apps and eating market share.
XRP Falls Below $2
The XRP chart looksmdreadful. While Ripple may be widely listed, heavily traded, and still treated as the default altcoin to buy for investors bullish on PayFi, the XRP chart looks very heavy. The only recent success for Ripple has been the rapid growth of Ripple USD (RLUSD), which has crossed a $1 billion market cap.
Still valued at $116 billion currently. The question is: why would an investor purchase a hundred-dollar-plus billion-valued asset when stablecoins exist? Ripple had the best narrative, but less than ideal execution, and that’s exactly what the chart says.
The only argument for XRP is that it has scale, liquidity, and institutions recognize it. Outside of that, XRP is a bloated and outdated solution. That’s why the market keeps hunting for the next payments winner, and that’s where Digitap enters the picture.
The Digitap ($TAP) Crypto Presale: A Global Money Platform
Digitap isn’t trying to modernize cross-border payments like Ripple. It’s trying to modernize the experience of money itself. It has built the world’s first omni-bank. A single dashboard where fiat and crypto live together, and users can send money anywhere in real time.
Disrupting global finance where it’s weakest is Digitap’s specialty. It introduces sub 1% cross-border transactions, crypto card spending via its Visa integration, and offshore banking via its Premium and Pro accounts.
Stablecoins are going to be the default way to send money this decade. Digitap is packaging these digital dollars into a convenient UX anyone can use, moving away from the idea of them being a crypto-native tool. Cheap cross-border transactions should spike adoption early, and privacy and offshore accounts are rapidly gaining traction.
This adds another dimension to the $TAP trade. In a world where banking access can be restricted, giving users options is something that many are interested in. This week, Digitap pushed Solana deposits live, and now users can deposit SOL, USDT, and USDC on the Solana network. Another rail added to the omni-banking experience.
Why $TAP Could be a Kingmaker Trade This Year
$TAP is exciting because it’s undervalued. Investors get ground-floor entry to a product that could turn global finance upside down. Making money in crypto is about buying something that becomes valuable as the product scales. And Digitap is aiming at a breakout-sized market.
The timing also looks great. $TAP is priced at $0.0439 now but is scheduled to move to $0.0454 in the next 48 hours. Early momentum is already strong with more than $4.4 million raised, and the confirmed listing price of $0.14 means a 3X move from today by launch.
If the Digitap does what it’s designed to do—turning stablecoins and crypto rails into a simple, mobile-first banking experience—then the ceiling is global finance, and the payoff for early investors could be enormous.
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XRP vs. $TAP: Why Digitap Wins Best Altcoin to Buy for Payments
XRP is already an enormous project, and upside from these levels is limited. Digitap has already launched its app while still in its crypto presale and is focusing on global finance disruption through a consumer-first product.
Additionally, $TAP has a better economic design than XRP. The team has designed a token flywheel with 50% of profits fueling token burns and staking rewards. $TAP token holders will win as the ecosystem scales.
XRP at $1.91 is bloated. Digitap is leaner, smaller, and is shipping around the clock. The best crypto to buy now in payments is always the disruptor, and that’s exactly what Digitap is.
