The past weekend showed how quickly the crypto market can change. A sudden $19 billion crash hit every major coin after a mix of exchange issues and political shocks sent traders running for safety. The crash reminded investors that only tokens with real utility and working products survive in tough times.
That is why this list focuses on three projects that go beyond speculation. Each one builds real payment systems that work across borders and challenge traditional financial rails. XRP once set the standard for global transactions, but a new wave of “Visa killers” is stepping up.
Digitap ($TAP), Stellar, and Plasma each offer different paths to faster and cheaper payments. One of them, however, is already turning that idea into reality.
Digitap ($TAP): A crypto presale with real utility
Digitap leads this list because it already has a working product. The Digitap app is live on the Apple App Store and Google Play Store. Users can download it, register, and start spending through virtual or physical cards. Most crypto presales never reach this level before launch, but Digitap is already there.
The idea is simple. Digitap gives users one platform for both fiat and crypto money.
Anyone can send, store, and spend funds in one place — whether it is euros, dollars, or digital assets. The app connects directly to Visa and supports Apple Pay and Google Pay, so everyday purchases can come straight from a crypto balance.
At the center of this ecosystem is the $TAP token. It’s used for fees, cashback rewards, staking, and VIP features. Half of the platform’s profits go to buybacks and burns, which makes the token deflationary over time. That means as the app grows, the supply of $TAP keeps shrinking.
Digitap is in its presale phase, priced at $0.0159, with the next round rising to $0.0194. For many investors shaken by the weekend crash, Digitap’s working technology offers something more stable than speculation — an actual product in use.
Stellar (XLM): The OG of cross-border payments
Stellar has been around for years. It built a name for quick and affordable international transfers. The network allows people to move digital forms of traditional currencies, like stablecoins, almost instantly.
The XLM token powers the system and pays for small network fees. Stellar’s partnerships with payment firms and non-profit groups give it real use cases, especially in international remittances.
XLM faced the same weekend pressure as the rest of the market but recovered quickly. This shows its maturity and liquidity.
Stellar’s progress has been steady rather than fast, especially when compared with newer players in the space. Its network is solid and well-built, but the market now offers other strong options for global payments.
Source: TradingView/XLM
Plasma (XPL): A zero-fee vision for global payments
Plasma is a newer name in the payments race. It focuses on stablecoin transfers and aims to move USDT across borders almost instantly and without fees. The network’s native token, XPL, powers these transfers and supports Ethereum-style smart contracts.
Plasma launched with billions in stablecoin liquidity and markets itself as a blockchain built for real payments, not speculation. Transfers are fast — often under one second — and nearly free.
During the recent crash, XPL saw heavy swings as traders took profits and tested liquidity. That is normal for a young token still in its price discovery phase. Its challenge will be maintaining stability and trust as the market normalizes.
Source: TradingView/XPL
Best altcoin to buy now?
The weekend crash separated hype from reality as many tokens fell sharply. Still, Stellar and Plasma showed they both have potential in global payments. Stellar brings a long record of reliability. Plasma pushes technical speed to new levels.
However, Digitap combines both speed, usability, and an already functioning app connected to real payment networks. It gives users the power to spend crypto like cash through Visa cards and mobile wallets, all backed by a deflationary token model.
The Digitap presale adds another layer of appeal as it offers early investors asymmetric potential — limited downside due to real utility, but significant upside as adoption expands. In a market that just proved how fragile speculation can be, Digitap stands out as an altcoin built to last.
Discover the future of crypto cards with Digitap by checking out their live Visa card project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Disclaimer: This is a paid post and should not be treated as news/advice.