Ripple (XRP) has struggled to meaningfully break past the $3 mark since the start of 2025. On each occasion this year, a breakout above the psychologically important $3 level was met with a quick reversal and correction. Investors had hoped that a legal victory against the U.S. Securities and Exchange Commission in August would attract fresh buyers, but this has not been the case.
Currently trading at $3.04, the fundamentals for XRP do not look strong. Volume has dropped in recent days, while liquidity looks fragmented across multiple exchanges. In other words, XRP’s price has stalled and may continue trading in a sideways pattern over the coming months.
Meanwhile, a new contender called Digitap ($TAP) is gaining rapid momentum and attracting attention away from XRP. Digitap is positioning itself as a next-generation payments leader as XRP’s slowing trajectory coincides with Digitap’s emerging potential and growing reputation as one of the best cryptocurrencies to invest in.
XRP’s Struggle to Regain Momentum
XRP faithful have long believed Ripple represents the future of global bank payments. Yet despite a very impressive 450% return over the past year, new investors do not share the same level of optimism. In fact, recent trading patterns suggest that long-term XRP investors are losing enthusiasm.
The fact remains: Ripple’s focus on institutional adoption, such as partnering with banks for remittances, has not translated into explosive price growth. Moreover, the legal victory against the SEC, as commendable as it was, cost precious time and market momentum.
Once XRP was able to provide clarity to investors, the crypto market had moved on to new themes. Investors’ patience is thin, and many are rotating capital into fresher opportunities with higher potential returns on investment.
Digitap: Rising Star in Payments and Remittances
While XRP’s growth prospects and price outlook are stalling, Digitap’s prospects look strong. The project markets itself as the world’s first “omni-bank” as it combines fiat and crypto banking products in one unified platform.
Digitap’s live app lets users hold multiple currencies, swap instantly, send money globally within minutes with minimal fees, and spend their money. Crucially, the app offers both physical and virtual Visa-backed cards, meaning users can spend crypto like cash wherever Visa is accepted worldwide.
This addresses a real-world need that XRP does not fulfill: giving everyday people a way to use crypto for daily finances. Digitap’s platform essentially combines a mobile bank account with a crypto wallet, offering the potential for borderless spending and transfers.
A standout feature of Digitap is an optional no-KYC signup process. This means users can gain access to the platform with minimal identity checks. This appeals to both privacy-conscious users and those in regions where access to formal IDs is difficult, if not impossible.
Currently, Digitap’s presale price of $0.0125, $TAP offers a ground-floor opportunity with serious growth potential. The current presale stage is more than 90% sold out, which represents a strong vote of confidence from the investment community and a wake-up call for investors.
A successful move to the second stage at $0.0159 is imminent. This means early investors can bank a quick 27% paper return.
Utility Comparison: Old vs. New
XRP may have paved the way conceptually for faster bank transfers. Its utility lies mostly in back-end bank settlements, such as RippleNet’s On-Demand Liquidity for remittances. This concept is essentially invisible to everyday users and difficult for many investors to grasp.
While the average person cannot directly benefit from XRP in daily life, Digitap is delivering a tangible solution today. Users can spend their money right now, and this real-world utility is a key reason why investors are flocking to $TAP’s presale.
Investors are realizing that Digitap is not just a crypto project; it is a full fintech product ready for mainstream adoption. The team’s “build first, raise money second” approach has given investors confidence that it can succeed in its mission to provide financial solutions to those who have been ignored by legacy institutions.
Most presales sell a vision, but Digitap is selling a working platform and certainly makes the case to be included in the list of best crypto to invest in long term.
XRP or $TAP: Which is the Best Crypto to Buy Today?
There is little doubt that XRP will remain an important player for institutional crypto use. Investors still have enough confidence in the project to award it a $178 billion valuation, making it the fourth most valuable crypto project. But the reality is that excitement and expectations for explosive returns have shifted to projects like Digitap that offer immediate benefits to users.
As XRP stalls near $3.04, $TAP’s momentum and investor enthusiasm make the case that we may see a new leader in the race to transform global payments.
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
This article contains information about a cryptocurrency presale. Crypto Economy is not associated with the project. As with any initiative within the crypto ecosystem, we encourage users to do their own research before participating, carefully considering both the potential and the risks involved. This content is for informational purposes only and does not constitute investment advice.
