While Ripple’s XRP is expected to breakout by 2026 due to the multiple ETF approvals by the U.S SEC, a new token is positioning itself for bigger returns.
Digitap ($TAP) is building an omnibank ecosystem that combines banking, payments, and cryptocurrency rails. These features could enable it to outperform XRP by a wide margin.
While XRP might reclaim previous highs, Digitap’s early-stage growth curve and Visa-linked scaling could deliver a 100x bigger ROI. If XRP is targeting a 5–10x run in 2026, it will not compete with $TAP’s projected growth potential. This makes Digitap’s crypto presale a great investment this year.
XRP Strong but Limited; Digitap Poised for Wider Adoption
XRP enjoys the support of one of the most loyal communities in crypto for good reasons. It has survived regulatory battles and maintains strong institutional interest. Furthermore, it has real utility in cross-border settlement, which makes it one of the best cryptos to buy.
Analysts expect XRP to reach between $7 and $24 by 2026 if market conditions align after the multiple ETF launches. That is a strong projection but also reflects reality; XRP is a mature, large-cap asset. Therefore, its largest growth phase is behind it.
On the other hand, Digitap is just beginning. While XRP focuses on institutional settlement, Digitap targets normal everyday users, merchants, cross-border freelancers, and global shoppers. Thus, it aims for a significantly bigger audience than XRP.
Unlike XRP, which thrives when banks adopt its tech, Digitap offers a plug-and-play financial system for businesses and individual users. This difference widens the upside gap.
$TAP Powers Real-World Payments, XRP Supports Institutions
Digitap’s main advantage is its omni-bank design, which allows users to store, spend, convert, and transfer crypto and fiat in one ecosystem. The banking-style features, global remittance tools, a hybrid crypto–fiat wallet, merchant acceptance systems, and Visa integration give users financial freedom.
XRP was designed to power a similar global liquidity model. Nonetheless, its adoption relies on banks and large financial institutions, which execute transactions slowly. Digitap resolves this challenge completely.
Instead of waiting for banks to integrate blockchain, Digitap operates as a bank but is built on crypto rails. This concept creates a scalable and user-centric system for cross-border payments, merchants, and users in emerging markets.
XRP remains as a backend settlement technology, while Digitap is building the front-end financial infrastructure. Hence, $TAP is the better altcoin to buy in 2025.
Why Visa-Linked $TAP Could Outperform XRP
The key difference between XRP’s expected 2026 growth and $TAP’s explosive upside is Digitap’s Visa-linked payment network. This collaboration is a major catalyst since Digitap users can spend crypto anywhere Visa is accepted and use crypto like cash without pre-conversions. The platform also converts assets automatically at checkout.
These use cases form the bridge between blockchain and real-world spending. XRP is yet to achieve this utility at the consumer level, while Digitap has it in motion.
By Digitap making crypto spendable, $TAP becomes a payment asset with daily transactional demand. The projects with real payment utility often rise quickly and hold value in the long-term. These capabilities explain the $TAP crypto presale’s huge demand and exponential growth.
$TAP Crypto Presale Momentum Outshines XRP
XRP has a huge market cap. For it to grow 10x, it must attract billions in new liquidity. On the other hand, Digitap’s early stage means similar inflows can create exponential growth. This explains why crypto presales often outperform top coins in bull markets.
While XRP serves banks, Digitap targets billions of global consumers. Daily spending is a considerably bigger market than banking settlement. The large user base and increasing demand explain why experts consider $TAP a good crypto to buy.
Ripple designed XRP to rely on institutional onboarding, which can take years. But Digitap can onboard users instantly and scale rapidly like a fintech startup. The uptake speed increases $TAP’s 2025–2026 growth potential dramatically.
Investors currently want real utility. Memecoins, pure AI hype, and DeFi models faded while Digitap’s narrative resonated more than abstract liquidity models. Its omni-bank ecosystem makes crypto spendable. This capability explains $TAP’s consistent growth in a volatile market.
$TAP vs XRP: Why Digitap Could Outperform in 2026
After a violent week in which XRP’s price tumbled from $2.30 to $1.80, the coin has recovered and bounced above $2.00. Analysts believe that if the token continues rising, the next notable sell wall is situated at $2.60.
However, the current fundamentals support a huge surge in 2026. Most experts suggest XRP could rise to $3.50–$8.00. The more bullish projections place Ripple’s token at $10–$15, and the maximum realistic multiplier from the current price is 5x–10x.
Digitap, considering its crypto presale momentum, PayFi adoption, and Visa integration, could rise 20x–40x. However, many analysts believe its huge banking utility and accelerated demand could help it rise 100x.
Therefore, Digitap has more room to grow, with more real-world use cases and a highly scalable consumer model.
Consumer Trust and Utility Make $TAP a Good Crypto To Buy
Payments run the global economy, but crypto payments have been broken for over a decade. Nevertheless, Digitap fixes the problem with Visa integration, which accelerates consumer trust. The omni-bank network makes crypto spendable in daily transactions, increasing $TAP’s demand.
The growing demand creates token stability, in turn, attracting more users. More users will eventually attract institutions and whales, boosting its long term growth potential. This same adoption path worked for other payment giants such as Revolut, PayPal, and Cash App.
Digitap is applying the same fintech logic integrated with crypto-native foundations. That is how its token could explode 100x, making $TAP the best altcoin to buy in November 2025.
Digitap’s Presale Momentum Grows with 76% Discount Currently
Currently available at $0.0326, $TAP’s crypto presale entry price and huge growth potential explain its increased demand. Over 131 million $TAP tokens have been sold, raising at least $2.1 million. The price will grow to $0.0334 in the next stage.
The current price is a 76.71% discount from the launch value of $0.14.
Analysts Eye $TAP as the Next High-Growth Crypto Opportunity
Not many analysts are betting against XRP’s long-term growth. It is massive, resilient, and widely held. Nonetheless, long-term endurance is not the same as explosive growth.
Digitap focuses on a bigger market, delivers direct user utility, and makes crypto spendable in the real world through an omni-bank, Visa-enabled infrastructure.
While XRP may multiply 10x, $TAP could multiply 100x. Thus, analysts and investors believe Digitap might deliver bigger gains by 2026.