Rippleās XRP remains a crypto heavyweight and earned a spot within the top five largest cryptos by market cap. However, expectations among many of its faithful to reach $5 in 2026 appear unrealistic given the multiple headwinds it faces.
At the same time, Digitap ($TAP), a hot crypto presale project, is gaining traction as possibly one of the top altcoins to buy now. Digitap is the company behind the worldās first āomni-bankā that blends traditional fiat services like remittances and wire transfers with digital currency services, including swaps and wallet storage.
Source: Digitap
How No-KYC Access Helps 1.4 Billion Unbanked Use Crypto Daily
XRP was designed to facilitate interbank transfers and institutional settlements, but Digitap is built for the end user. Digitap enables everyday crypto spending and global money transfers, giving it an immediate use case. The platformās live banking app and crypto-linked Visa card allow anyone to pay with digital assets or seamlessly convert between fiat and crypto when transacting.
Digitap offers an optional no-KYC onboarding process that automatically appeals to privacy-conscious consumers. However, this also provides direct and immediate access to the more than 1.4 billion adults worldwide who are underbanked and donāt have access to proper identification.
The platform is heavily marketing how it can beat legacy financial institutions and save consumers money. For example, money remitters (think MoneyGram) charge consumers on average more than 6% to move their money. By contrast, Digitapās peer-to-peer setup allows users to move money to each other for as low as 1%.
Why Staged Crypto Presale Pricing Rewards Early Backers As Traction Builds
Digitapās presale of its native $TAP token continues to gain momentum as investors share with each other, as large investors tend to share their lists of altcoins to buy before the end of the year.
The presale has already raised over $1.2 million, and the price has climbed over 110% from its first-round price of $0.0125 to the current third-round price of $0.0268. A scheduled increase to $0.0297 is set to take place before the end of the week.
This kind of performance is a clear indicator of market excitement for a hot crypto presale project. In a cooling market environment, seeing a presale rocket by triple digits certainly stands out, although it is completely justified. The team behind Digitap continues to roll out new features, including a high-yield staking opportunity and a recent Apple Pay integration.
Digitap is showing early credibility that is translating into early confidence that, once $TAP hits exchanges, it could justify the current projected price of $0.14.
What Western Unionās Stablecoin Move Signals For XRP
XRP ranking as a crypto to buy now, ahead of a run to $5 in 2026, is a narrative many investors have bought into. However, a rise to $5 would require a more than 100% gain from its current price of around $2.35. This represents a major hurdle as XRPās growth profile is currently constrained by multiple factors.
Institutional adoption, which is XRPās primary use case, has shown steady progress but nothing exponential or revolutionary as of late. Meanwhile, competition from stablecoins has intensified in a major way lately.
Most notably, Western Union announced on Oct. 28 its plans to launch its new stablecoin built on Solana and issued by Anchorage Digital Bank. Interestingly, Western Union started experimenting with Rippleās technology in 2015, but must have felt it was not the best option to facilitate money remittance.
Source: @CryptosR_Us
Is Digitap The Crypto to Buy Now as XRP Waits for Institutions
Digitap is doing what few crypto presale projects can accomplish: bringing crypto to retail payments in a way XRP never attempted. From an investment standpoint, this means $TAP could grow in tandem with user adoption. XRP, on the other hand, is waiting on major banks or legacy financial institutions that find value in what XRP has to offer.
Meanwhile, recent trading action on Nov. 3 has pushed XRP down to $2.35, essentially removing it from most lists of top crypto to buy now. Investors appear to agree that it lacks any catalyst to justify even the $2.50 level, as it faces heavy selling pressure. Digitap, on the other hand, is rapidly building momentum with tangible progress.
Investors hunting for altcoins to buy should take a closer look at Digitap as the more compelling bet for outsized returns. Digitap has a clear path to growth, backed by a total addressable market that spans more than one billion people and a suite of features that provide real savings to individuals who need it most.
Discover the future of crypto cards with Digitap by checking out their live Visa card project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
