Privacy-first finance is no longer a niche. As regulations tighten and onboarding becomes more complex, more people want simple ways to spend crypto without giving up control. Everyday users, including students, freelancers, creators, remote workers, travelers, and privacy-conscious individuals, are driving demand for No-KYC tools that work in the real world, not just on-chain.
Top altcoins like XRP still play a role in enterprise cross-border infrastructure, but they are built for institutions, not everyday users. At the same time, stablecoins have become the dominant rails for global payments. Investors are now favoring platforms like Digitap ($TAP) that turn crypto into something people can actually spend.
Digitap’s live No-KYC Visa card allows users to spend crypto globally with ease. Combined with support for stablecoins and a low presale price of $0.0427, $TAP ranks among the best cryptos to buy now for investors bullish on payments.
XRP’s Payment Infrastructure: Strong for Banks, Weak for Everyday Spending
XRP plays an important role in PayFi, particularly in enterprise payments. RippleNet is used by major institutions like SBI Holdings, Santander, and PNC Bank to move money faster across borders. The network reduces reliance on slow systems such as SWIFT and enables near-instant settlement at low fees. For banks, this is a clear upgrade.
XRP/USD 6-Month Chart | Credit: TradingView
At the core of RippleNet, XRP acts as a bridge asset. It provides liquidity across different currencies and ledgers, enabling institutions to settle transactions in seconds rather than days. Ripple’s On-Demand Liquidity proved that blockchain rails could transform cross-border payments, especially in hard-to-serve corridors.
However, the structure of global payments is changing. Stablecoins now offer a simpler solution with fewer risks and moving parts. Even Ripple has leaned into stablecoin-based systems, signaling a change in direction. As stablecoins take over settlement flows, XRP’s role has become more infrastructure-focused and less central to the payments narrative.
This is where the gap becomes evident. XRP is built for institutions, not consumers. It does not directly translate into everyday spending or user adoption. Platforms like Digitap focus on the end user, combining stablecoins with real-spending tools such as a no-KYC Visa card. As payments move closer to consumers, investors are increasingly favoring the best cryptocurrencies and platforms built for how people actually spend.
Inside Digitap’s No-KYC Crypto Banking Experience
Digitap is not just another crypto card. It is a full No-KYC crypto banking platform designed for everyday use, making $TAP one of the best cryptos to invest in 2026. The focus is simple. Let people spend digital assets easily, privately, and without friction in their daily lives.
At the center of the platform is a No-KYC Visa-linked crypto card. Users can pay at millions of merchants worldwide without worrying about manual conversions or exchange steps. The card works with Apple Pay and Google Pay, making online and in-store payments feel familiar and fast. These integrations already put Digitap ahead of most No-KYC cards that only work in limited settings.
Digitap also offers a unified wallet. Users can hold fiat, stablecoins, and crypto in one app while tracking payments, transfers, and balances from a single interface. As a result, the platform is a practical solution for global users, especially freelancers, travelers, and people outside traditional banking systems.
Another core feature is user privacy, which is becoming increasingly rare in today’s high-surveillance financial world. Digitap is designed to reduce unnecessary data exposure while maintaining full functionality. With No-KYC access options, users can onboard quickly without handing over sensitive personal information. This appeals to privacy-conscious individuals who value control over their financial identity.
Unlike infrastructure-first networks, Digitap starts with the consumer. It accepts that stablecoins have already won and focuses on making them usable. While still in presale, Digitap is clearly one of the strongest payment-focused crypto platforms, combining a No-KYC Visa card, multi-rail payments, and a modern neobank experience.
Digitap Presale Reflects Demand for Consumer Payment Rails
Digitap’s crypto presale momentum reflects growing demand for payment rails built for everyday users. More than 187 million $TAP tokens have already been sold, raising $3.9 million in a short period. The $4 million milestone is now in sight, and the steady progress shows consistent buying interest, not short-term hype.
Another core feature is Digitap’s tokenomics model that allocates 50% of platform profits to staking rewards and permanent token burns. This model allows holders to benefit directly from platform growth while reducing circulating supply over time. Value is tied to usage, not speculation.
With a confirmed listing price of $0.14 and a live platform, analysts agree that the current presale level of $0.0427 is undervalued. As adoption grows and cross-border spending increases, Digitap’s user-first approach positions it as a viable XRP alternative for retail investors seeking practical, everyday crypto payment solutions.
Why $TAP Beats XRP as the Best Crypto to Buy 2026
XRP remains strong in enterprise payments, powering cross-border rails for banks through partnerships such as OpenPayd, but its focus on infrastructure limits consumer adoption. Everyday users don’t interact with XRP directly, and tokenomics aren’t framed to reward engagement. This leaves a gap in the retail spending market.
Digitap fills that gap. Its No-KYC Visa card, stablecoin integration, and unified omni-bank app make crypto usable for real-world spending. By targeting Gen Z and Millennials with a digital-first approach, Digitap is rapidly gaining traction where XRP cannot.
For smart investors seeking opportunities beyond large-cap assets, Digitap represents a low-cap gem with real payment utility. With a live app, growing ecosystem, and presale momentum, it is shaping up as one of the best cryptos to buy in the current market.
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
Disclaimer: This is a paid post and should not be treated as news/advice.