The crypto market is kicking off 2026 on a strong note, with many altcoins posting double-digit percentage gains. Ripple’s XRP token, for example, is up nearly 20% over the first week of the year. With XRP now trading above the $2 level, many investors are optimistic it will hit $3.
XRP, however, falls short of being declared the top altcoin to buy. It remains a top-five crypto by market cap, meaning further upside requires billions of dollars of capital inflow. Crypto presale projects, on the other hand, offer investors ground-floor opportunities.
One name floating around is Digitap ($TAP), the name behind the world’s first “omni-bank.” Digitap’s early-stage startup offers investors a similar profile to a pre-IPO fintech stock.
Source: Digitap
Digitap’s Bank App Blends Crypto With Everyday Finance
Digitap’s fintech bank app is already live on iOS and Android devices, as well as through a web browser. Digitap provides a unified platform that blends traditional financial services with crypto seamlessly. Features include offshore multi-currency IBAN bank accounts, global money transfers that cost less than 1%, and a crypto wallet that supports more than 100 digital tokens.
Through a recent partnership with Visa, Digitap is now providing a prepaid Visa debit card. Users can load their Visa card with both fiat and crypto, and it is usable at more than 80 million merchants worldwide.
An optional no-KYC sign-up option offers basic features and leverages surging demand for financial privacy. But what makes Digitap stand out as a top altcoin to buy is its appeal to the more than 1 billion underbanked and unbanked adults worldwide.
Many of these people live in countries where access to identification is impossible. Coupled with the approximately 800 million people worldwide who rely on money remittances, Digitap’s total addressable market is measured in the billions of users.
Source: Digitap
Why Digitap Ties $TAP’s Long-Term Value to Platform Profits
Digitap’s crypto presale of its native $TAP has shown no signs of slowing down despite the harsh selloff that started in early October. Digitap’s presale is structured in stages, with the price of $TAP inching higher once each round is sold out or expires.
$TAP was first offered for sale at $0.0125, and it has steadily increased to $0.0411. The project has raised more than $3.6 million, as many investors recognized the structure as a hedge against falling crypto prices.
Digitap was a top crypto to buy during the selloff, as the more than 200% paper profit to date helped offset heavy portfolio losses. There is still room for further upside, as the team confirmed an exchange listing at an expected launch price of $0.14.
Beyond being an altcoin to buy for a near-term flight to safety, Digitap’s tokenomics are engineered for long-term value. With a capped token supply of 2 billion $TAP, the platform allocates 50% of its profit to buying back and burning $TAP tokens from the open market and rewarding stakers.
This model directly ties $TAP’s supply and demand to the platform’s usage. As more users spend and transact through Digitap’s services, more profit flows into token buybacks. This feedback loop is designed specifically to incentivize investors to hold the token for the long term.
What XRP Needs Now to Make the Next Push Back Toward $3
XRP last traded near $3 in late summer 2025 but has since dipped below $2. A recent recovery to the $2.20 level is a welcome move for XRP faithful holders. However, a move back to $3 implies a roughly 40% rise and requires multiple catalysts to align.
Recent favorable developments, including a clear legal victory in its case against the U.S. SEC, a spot ETF launch, and a handful of acquisitions, have not propelled XRP into a sustained uptrend. In fact, multiple billion-dollar M&A deals to double down on its payments and custody infrastructure received a muted market response.
Meanwhile, XRP’s status as the fourth-largest crypto by market cap means its appeal as a crypto to buy is closely tied to broader market sentiment. As a result, XRP’s price remains linked to global interest rate decisions, overall risk appetite, and macroeconomic conditions.
Source: @protechtor
Digitap’s Banking Design Backs Its Case As Best Crypto To Buy
XRP is a blue-chip, large-cap cryptocurrency with a relatively mature market. This often implies slower price appreciation, especially for tokens valued north of $100 billion. XRP could reach $3, but it may take a year or two, as the market has made it clear recent catalysts have not justified a higher valuation.
That said, XRP benefits from a loyal investor base and could attract fresh capital following new announcements.
Digitap, by contrast, is an early-stage altcoin-to-buy project. Its lower starting base, coupled with strong crypto presale demand, suggests it remains in the early stages of price discovery. Many savvy investors have recognized that utility-driven banking crypto projects like Digitap offer a rare mix of downside protection and high upside potential.
Over the coming years, Digitap could easily reach $3 given its massive total addressable market and deflationary tokenomics.
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
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
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