XRP losing $2 while Digitap ($TAP) rips 250% in its crypto presale tells everything investors need to know about markets in 2026.
The market is sick of legacy altcoins and is not paying for narratives anymore. It wants concrete growth.
Investors want products that onboard users, move money, and collapse the distance between crypto and real life. That’s why a mad scramble to own banking tokens is happening in January. All the best altcoins to buy are in the banking space, and the reason is simple: regulation is friendlier, stablecoin supply is booming, and crypto has a clear advantage over TradFi in payments.
XRP losing $2 hints at two events. First, insider selling. Second, the market is starting to ask a serious question. Is the next leg of the payments trade going to come from institutions, or from consumer finance apps?
Digitap is betting on consumers first and has already raised more than $4.3 million since beginning its sale. It recently enabled Solana deposits to its global money app, and if things continue going right for this payment gem, it could be the best crypto to buy now.
Why XRP is No Longer the Best Altcoin to Buy for the Payments Trade
XRP is still, without a doubt, the biggest name in the payments trade. It’s the one that has TradFi mindshare, but this size comes with a drawback. Ripple launched in 2012 and, more than a decade later, has failed to materially change cross-border payments. Institutions don’t want to adopt a new payment rail.
The chart tells the story. XRP trading below $2 and heading back to the bottom of the 10/10 wick is the last thing bulls want to see. This down-only price action is likely driven by insider selling, and even at the current price, XRP still has a market cap of $116 billion. It is a giant—early upside returns that make crypto famous are long gone.
Ripple’s payments thesis is institutional-first. Digitap’s payments thesis is consumer-first. And that’s what makes this comparison so interesting. As 2026 progresses, it looks like the market is convinced that the consumer layer is the faster path.
Digitap ($TAP): World’s First Omni-Bank
Digitap has built the world’s first omni-bank. A single app where users can manage crypto, stablecoins, and fiat together, where money moves across borders in real time. Holding, receiving, converting, sending, trading, and staking. Digitap’s app is live today and supports over 100 crypto assets and 20 fiat currencies.
It is part of the new generation building modern apps for users. It is not overly focused on crypto; it is focused on delivering a better product to the 1.4 billion underbanked users. It wraps crypto speed and stablecoin settlement into a familiar neobank-style UX, while hiding the complexity.
Stablecoins are eating global payments. Digitap embraces this reality and makes these digital dollars as accessible as possible to regular people. It is designed so users can hold and move value in a way that feels like banking, but settles like crypto. This is likely how mainstream adoption happens.
Digitap delivers cross-border transfers for less than 1%. Payments adoption is built on daily flows—families sending money, freelancers getting paid, small businesses moving value across borders. These low fees give new users an immediate and strong reason to join the platform. Digitap is building an app that delivers better outcomes, and that’s why it ranks among the best cryptos to buy now.
Tokenomics: Why $TAP Is Built Like an Ownership Layer
In 2026, the market will not pay for governance tokens or tokens with high emissions. Rewards created by printing tokens mean the price goes to zero. The market has learned that lesson the hard way.
A core feature that sets Digitap apart as one of 2026’s leading altcoins to buy is that the token is built on a fixed supply, deflationary mechanics, and value accrual tied to platform profits and usage. 50% of platform profits are routed into the $TAP flywheel through buyback-and-burn and staking rewards. Real business activity funds the token economy.
That’s why $TAP looks undervalued at its current price of $0.0439, especially considering investors in this crypto presale can earn 124% on their tokens paid from a fixed pool. Not to mention the confirmed listing price of $0.14, meaning an easy potential 3X move for anyone buying today when $TAP lists.
Additionally, Digitap just integrated the Solana network into its global money app, which is the omni-banking thesis in practice—all the best rails delivered on one interface.
XRP vs. $TAP: Why Adoption Wins the 2026 Banking Trade
Investors need to understand that in 2026, capital is more selective and utility is in the driver’s seat again. Overvalued tokens and governance tokens will likely be the worst performers, and the next era of crypto comes from better products and getting stablecoins into the hands of millions of users globally.
That’s why all the best altcoins to buy now, like Digitap, look more like fintechs than crypto projects. XRP is the legacy version of the payments narrative. Digitap represents the future. Likely, $TAP will drive the next leg for consumer banking.
It already has thousands of people spending on the Visa card, has raised $4.3 million despite a broad market sell-off, and $TAP has a clear value-capture design. It is easy to see why investors are keen to bet on $TAP over XRP. Ripple is the old payments trade, and now Digitap is the new banking adoption trade for 2026.
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Website: https://digitap.app
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Krasimir Rusev is a journalist with many years of experience in covering cryptocurrencies and financial markets. He specializes in analysis, news, and forecasts for digital assets, providing readers with in-depth and reliable information on the latest market trends. His expertise and professionalism make him a valuable source of information for investors, traders, and anyone who follows the dynamics of the crypto world.