Traders in 2025 are prioritizing altcoins with clear utility, verifiable liquidity, and less noise. They reward live products with growing TVL and volumes, and real payment use cases. Looking at the landscape, Digitap, SUI, and XRP stand out.
Within that shift, the Digitap crypto banking application is moving from concept to deployed products, unifying fiat and crypto rails in one platform.
SUI supports the scalable-L1 narrative with expanding DeFi. XRP remains tied to cross-border liquidity and now operates in a more predictable legal environment after the SEC case wrapped up in August 2025.
But, tactically, Digitap looks best placed to claim the top altcoins to buy crown because it brings the model together in a single, consumer-ready banking app.
Digitap: $TAP Presale Unleashes the First Omnibank
Digitap is an omnibank that brings deposits, withdrawals, payments, transfers, and FX in fiat and crypto into one experience, with a compliance layer and multi-rail settlement. The architecture shows how the platform stitches together banking rails and public networks to support personal and business accounts with wallets, on/off-ramp, and cards.
It’s built for everyday use by people and businesses. $TAP is an ERC-20 with a fixed 2 billion supply, a deflationary design with burns tied to transactions, fees, and events, and real utility economics including staking, VIP tiers, discounts, and governance.
Today’s user pain is juggling separate banks, apps, and wallets. Digitap reduces that friction with integrated rails and cards to spend crypto or fiat balances without gymnastics, which typically boosts retention and product stickiness.
Core Features
- •Unified account (consumer or business) for payments, transfers, FX, and multi-asset wallets
- •Multi-rail settlement that combines traditional banking infrastructure with public blockchains for transfers and swaps
- •Security and compliance layers designed for cross-border operations
Digitap’s app is built, live, and ready to scale, with desktop plus App Store and Google Play versions offering deposits and withdrawals, FX, transfers, receiving, and virtual/physical cards, along with offshore account opening in the same dashboard.
The ecosystem pairs staking (up to 124% APR) with a deflationary mechanism, including buyback & burn of 50% of app fee profits and early-unstake burns (staking penalties), reducing effective supply over time.
SUI: Performance-First L1 with Rising DeFi Liquidity
Sui is an L1 focused on parallelized execution and a smooth UX that has supported its DeFi growth since 2024. TVL first topped $2.5 billion on May 21, 2025, and stayed above $2.0 billion into late Q2. It has since set a new high above $2.6 billion, driven by protocols such as Suilend, NAVI, and Momentum.
- •Where it can gain share: ongoing UX and finality improvements, plus continued DeFi integrations, can support liquidity retention.
- •Key risks: competition from other L1s/L2s and the challenge of sustaining liquidity across cycles.
The Mysticeti consensus upgrade cut transaction latency for owned objects from roughly 2.2s to ~400 ms, boosting DEX and lending responsiveness and reducing slippage risk during periods of volatility.
XRP: Cross-Border Payments After the SEC Chapter
XRP remains associated with payments and cross-border liquidity for B2B and institutional rails. The environment became more predictable after appeals in SEC vs. Ripple concluded, keeping the District Court’s final judgment intact and preserving the 2023 view that retail exchange sales aren’t securities.
With litigation concluded and parameters clearer, partnerships and payments integrations may face fewer US legal uncertainties, though rules still vary by jurisdiction. Risks include uneven global regulation and competition from stablecoins and other liquidity rails.
XRP is currently trading near $2.41, with a market cap of around $144.4 billion and more than 59 billion coins in circulation out of a 100 billion max supply. These levels indicate ample liquidity for executing orders across major pairs.
Final Thoughts on the Best Altcoins to Buy Now
SUI delivers liquidity metrics that align with near-term DeFi interest. XRP operates under a clearer post-appeals legal backdrop, reducing friction for payments partners and integrations. Tactically, $TAP sits at the top of the best altcoins to buy now because it differentiates on utility, unifying fiat and crypto in a payments-and-account app.