Solana just went live inside Digitap’s ($TAP) global money app, and on a very practical level, that means $TAP can now offer faster payments than Ripple. While XRP’s story in 2012 was fantastic, the execution was poor, and now XRP, crypto’s payments giant, is being challenged and overtaken by a crypto presale that’s actually shipping.
Ripple is still the leading payments bellwether. But it’s also a mature, heavily-priced asset that’s back to chopping under $2 after a liquidation-driven flush. Digitap is the opposite setup.
This banking presale is going after users first and has already raised more than $4.5 million. Available for just $0.0454 today with a potential 3X by the time it lists at $0.14 this year, more and more investors are starting to pay attention. As markets rotate to real adoption and real users, Digital could be the best crypto to buy and a project that could disrupt global finance this year.
2026 is shaping up to be a banking year. Real banking: payments, settlement, cross-border payments. Stablecoins are eating the world, and the Trump admin wants a total supply of over $3 trillion by the end of the decade. Stablecoin settlement is going mainstream, and the best products are those that make these digital dollars feel normal and accessible.
These projects can scale into markets that are multiples larger than crypto. XRP represents the old model: institutions-first, large cap, the payments token everybody already knows. Digitap represents the new model: consumers-first, product-led, fintech-shaped, with rails like Solana being plugged directly into a banking interface.
It all comes down to token value capture and whether products can realistically disrupt global finance rather than just be traded by crypto natives—that’s what will define the best altcoins to buy for the banking trade this year.
Ripple (XRP): Looking Heavy Under $2
XRP is still the market’s largest payment token. It is liquid, listed everywhere, and the first token institutions think of when they think of using crypto for modernizing cross-border payments. But it is already trading in its 10/10 wick area, and the chart screams insider selling with successive lows since the summer last year.
Even Ripple is waking up to the stablecoin reality and pushing Ripple USD (RLUSD), which has crossed a billion-dollar market cap. The only question is why would investors want to buy an altcoin, valued at $114 billion, when the time is pivoting towards stablecoins?
XRP is already priced like the market leader, and that limits upside. That’s why the market keeps looking for the next cohort of banking altcoins to buy that can deliver the original promise of modernizing payments directly to users, and make huge runs like XRP did in the early days.
What is Digitap ($TAP)?
Digitap has built the world’s first omni-bank. A global money app designed for a digital-first world where fiat and crypto stop being separate experiences and start behaving like one system. And despite being a crypto presale, anyone can download this app on iOS and Android today.
The team is shipping, and the most recent upgrade was the integration of the Solana network for deposits. The excitement around how quickly the team builds has pushed $TAP’s total raise over $4.5 million. Digitap is going back to basics. Use crypto in the background to give people better banking. Faster settlement, cheaper transfers, and smoother cross-border payments.
Solana deposits going live is a big step in that direction. Solana is one of crypto’s fastest and most active payment networks, and now its deposit rail is live in the Digitap app. Bitcoin and Ethereum integrations are coming next, expanding the platform’s rails toward the three networks that matter most in crypto.
But how can Digitap disrupt global finance? Multi-rail settlement is the big system upgrade. Transactions can be routed on traditional banking rails via Digitap’s partners or on blockchains, depending on which is faster in that moment. This unlocks cross-border transfers for less than 1%, and this alone is a trillion-dollar industry where Digitap could grow massively.
The Visa card is the perfect product for crypto natives, allowing them to spend crypto anywhere in the world, and the early momentum this crypto presale has attracted is hard to ignore. Still available for just $0.0454 and with a confirmed listing price of $0.14, today’s buyers look to lock in a 3X by the time $TAP lists.
All of this is why $TAP is being treated like the next super-growth play of the banking trade. A live product, expanding rails, and early-stage pricing.
Best Altcoin to Buy Now for the Banking Trade? XRP vs. $TAP
XRP remains highly recognized and liquid. But the shift is towards smaller leaner platforms that can deliver better banking directly to users, and that’s exactly why Digitap was built for. Banking is a much larger market than crypto, and the stakes are enormous for the winners. That’s why the banking altcoins to buy are attracting so much attention this year.
$TAP’s tokenomics are also unique due to the Digitap profit flywheel. The platform dedicates 50% of total profits to paying rewards to stakers and burning tokens. That means as the platform scales, the token price should aggressively appreciate. Another reason it ranks among the best cryptos to buy now for banking bulls.
Solana deposits are live, meaning Digitap now offers faster settlement than XRP. While Ripple has failed to modernize payments more than a decade after launch, Digitap is shipping today and aiming to disrupt the entire banking stack. And at its presale price of just $0.0454, it looks like a much better value trade than XRP.
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
