Stablecoins have entirely rewired global payment corridors. The story that XRP promised back in 2012 of modernizing cross-border payments is coming true, unfortunately for Ripple bulls, not on the XRP ledger.
The market now focuses on projects integrating stablecoins and turbocharging these digital dollars with features such as distribution. Fierce competition has erupted for the “Ripple 2.0” crown, and two crypto presales with working rails are battling it out.
Digitap ($TAP) and Remittix ($RTX) are the leading choices for becoming the ‘Ripple 2.0’ trade, and both rank among the best altcoins to buy in November, but only one can truly lead among the best cryptos to buy now.
$TAP vs. RTX. Which is the real XRP 2.0, and who will own the front end of global money?
What “Ripple 2.0” Must Actually Deliver
The next giant in the cross-border payments trade must be able to deliver several things: highly cost-effective cross-border transfers at a consumer scale. Settlement must be in minutes, not days. Bank-grade UX that feels like familiar finance. Distribution channels, such as cards that people can use in their daily lives. And finally, a token that accrues value.
The project that blends those elements best will capture the flow as stablecoins become the default money rail.
Remittix (RTX): Bridging Crypto and Local Networks
Remittix positions itself as a crypto-to-fiat network. Users connect a wallet, pay in crypto, and the recipient receives fiat directly into their bank account. Currently, it supports 30-plus currencies, offering same-day processing via local payment networks.
The platform charges flat transfer fees, meaning users know exactly what they are paying upfront. While the sender initiates the payment in cryptocurrency, the receiver receives a typical domestic bank transfer.
This is a straightforward proposition. People can use crypto to settle invoices or pay individuals who only accept bank transfers. The simplicity makes Remittix easy to understand and useful to people who have the majority of their wealth on-chain. But there are some trade-offs.
Remittix lacks scope. It is a payout bridge into bank accounts rather than a full money environment. It focuses on a single job – convert crypto to fiat and push it into traditional rails at a flat fee. And while it does this very well, it lacks depth compared to Digitap.
Digitap ($TAP): The World’s First Omni-Bank
Digitap is different. It is a full-stack money environment. Omni-bank means one account that treats fiat, stablecoins, and crypto the same. Users can download the app today and start swapping between all forms of value from a single interface. But what about cross-border transactions?
This is where Digitap truly shines. It boasts a multi-rail architecture alongside a routing engine powered by AI that decides, per transaction, whether to clear over public blockchains or banking corridors. Digitap operates between both worlds, breaking down the silos with blockchains integrated as well as traditional rails like SWIFT, SEPA, ACH, and Faster Payments.
The interface looks and behaves like a modern finance app, but under the hood, users benefit from blockchain speed. Through the app, users can make deposits, swaps, transfers, and manage card spending. Even better, users can spend their on-chain balance via the Visa card, and the routing engine finds the best swap when they make the payment if crypto is used.
Distribution is built in. Virtual and physical Visa cards are now live, with support for Apple Pay and Google Pay. Thousands of people are already using these cards, and crypto can now be spent with millions of merchants. Non-KYC virtual issuance has been a significant draw for whales, providing a privacy-friendly on-ramp for early adopters.
This crypto presale has already raised $1.5 million, demonstrating real momentum. And with Digitap’s offerings, including a live app, live cards, and a clear consumer experience, it is not surprising that it looks most likely to become the winner of the XRP 2.0 trade.
Best Cryptos to Buy Now in November: $TAP vs. RTX
Regarding the scope of the product. Remittix focuses on one job—crypto-to-fiat bank payouts at a flat fee. Digitap operates a comprehensive money stack, including balances, swaps, transfers, remittances, payroll flows, and card spend, all presented as a single account with multi-rail clearing beneath it.Remittix focuses on depositing funds into bank accounts. Digitap brings balances into the real economy via Visa, Apple, and Google Pay.
That edge in distribution is often what turns an infrastructure story into daily usage. Remittix offers little in the way of tokenomics. In contrast, Digitap has earmarked 50% of platform profits to reward stakers and conduct buybacks to reduce the supply. When looking at altcoins to buy, tokenomics play a big role, and $TAP clearly wins here.
Both of these crypto presales have been successful, but $TAP emerges as the leader when discussing the best cryptos to buy now in November. Remittix is clean and predictable, but Digitap has a much broader story and has the potential to own the cross-border tale as well as become a key part of everyday banking. And $TAP looks incredibly undervalued at its current presale price of $0.0268.
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
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