XRP holders were hoping the Ripple coin would hold above $2 and even pump after witnessing the recent ETF demand. But to their dismay, the XRP price dropped sharply on January 19 as the broader market entered bearish territory.
What’s surprising is that the Digitap ($TAP) crypto presale continues to enjoy millions of dollars in inflows despite the market uncertainty.
But that’s not the reason many are calling Digitap the best crypto to buy now for payments in January. What’s driving bullish predictions for Digitap is its potential to drive massive adoption of its global money app in 2026. As the world’s first omnibank, Digitap finally gives its users one app to handle crypto and fiat in one place.
Strong ETF Demand Fails to Hold XRP’s Price Above $2
After a rough patch that stretched through the entirety of Q4 2025, XRP rebounded in January to hit $2.4. This was a massive sigh of relief for Ripple coin holders. But much to their disappointment, XRP dropped back below $2 and returned to bearish territory.
XRP Price Chart (Weekly) | Source: Brave New Coin
This price drop was also a disappointment for XRP holders, who had hoped the latest ETF demand would keep the price above $2. For context, data from SoSoValue shows that XRP ETFs saw almost $57 million in inflows last week, bringing total net assets to $1.52 billion.
Total XRP Spot ETF Net Inflow (Weekly) | Source: SoSoValue
Even increasing ETF demand couldn’t save XRP from another price slump below $2. But technical analyst Ali Martinez believes that the Ripple coin could be forming a falling wedge pattern. And this could be a setup for XRP to stage a bullish breakout to $2.23.
Brave New Coin analyst Ahmed Ishtiaque writes that XRP is positioned for a potential breakout as institutional demand ramps up following the launch of Franklin Templeton’s EZRP spot XRP ETF. The article highlights that rising on-chain activity, multiple ETF products entering the market, and clearer regulatory backdrops are shifting sentiment more constructively for the token, though maintaining technical support and broader market conditions will be crucial for the next leg up.
Even with this bullish outlook, XRP is losing ground to Digitap, which was named the best crypto to buy now for payments in January. A reason for this is Digitap’s increasing focus on improving banking access for everyday crypto users rather than becoming a tool for institutional investors like XRP.
Digitap Becomes the Best Crypto to Buy Now for Payments in January
XRP’s price chart losing its balance is just one of the many challenges the so-called “payment giant” faces. New and better payment platforms are entering the market with stronger potential. An example is Digitap, which has lately been listed among the best cryptos to buy now for payments in January.
One problem with XRP is that it serves institutional-grade investors more than the average crypto user. On the other hand, Digitap has pitched its omnibanking platform to expand banking access for the 1.4 billion unbanked individuals worldwide.
And it has taken concrete steps to ensure it meets its goals. For example, Digitap recently launched its global money app, allowing millions of Android and iOS users (for the first time) to manage crypto and fiat in one place.
But it would take more than just an app to manage crypto and fiat to beat giants like XRP. And Digitap goes beyond the app to provide near-instant cross-border payments with fees as low as sub-1%.
The cherry on top is Digitap’s recent partnership with Visa to launch physical and virtual cards. That basically allows anyone with the Digitap Visa card to spend crypto like cash anywhere in the world.
Audited by Coinsult and SolidProof and declared fully secure, Digitap now stands as the best crypto presale and the best crypto to buy now for payments in January.
$4.3 Million Raised — Digitap Crypto Presale Outperforms the Market
What’s putting the spotlight on Digitap in 2026 is its potential to drive global adoption. An omnibanking platform that could give banking access to the millions of unbanked individuals worldwide was bound to find massive early support. And that support appears clearly in Digitap’s presale numbers.
After just three months of the presale run, Digitap has already crossed over $4.3 million in fundraising. In parallel, the $TAP price has increased from $0.0125 to $0.0439.
$TAP is still available at a 68% discount from its launch price of $0.14. Interested investors have a limited window to grab a good return by joining the presale before the price takes another leap.
What makes now the best time to accumulate $TAP coins is the ongoing New Year sale. For a very limited time, Digitap is giving users discounts and token bonuses every single day. Investors who consider Digitap the best crypto to buy now for payments in January are glued to the presale dashboard to grab the best deal.
Digitap vs. XRP — What the Numbers Say Going Into 2026
2026 could be the year of the fintech revolution. And Digitap is all set to lead this revolution by practically changing how the world handles crypto and fiat. Its omnibanking platform has everything to address the growing challenges around moving money across borders.
That’s one reason XRP continues to feel irrelevant in this new financial world. And its recent price struggle is a testament to that. Over 120,000 wallets have already joined the Digitap presale for its potential to deliver far better gains, thanks to its lower market cap and solid banking utility.
But the crypto presale supply is almost over. Over 74% of the Round 3 supply is gone. Now is the perfect time to secure a share of what might be the best crypto to buy for payments in January.
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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This is a sponsored article. Opinions expressed are solely those of the sponsor and readers should conduct their own due diligence before taking any action based on information presented in this article.