A sharp leverage wipe always concentrates capital and forces investors to reevaluate what they are holding. XRP is down more than 24% in the last thirty days, slipping back below $2.35. The long-running promise to revolutionize cross-border payments is under fire.
The playing field is getting tougher, stablecoins already carry the majority of daily volume, and Stripe just finished a $5B valuation for its Tempo chain. Stablecoins, not the XRP ledger, appear to be the future of cross-border flows, and now investors are allocating with this updated thesis in mind.
Smart money looking for the next big payments winner is pointing at Digitap ($TAP). Already being called the ‘Next PayPal’ and with the first stage sold out in a matter of days, more and more investors are paying attention.
XRP: How Payments Got Crowded
In 2012, when Ripple first launched, the pitch was legendary—better global transfers, fewer fees, and faster settlement. But in 2025, the pitch and the chart look tired. XRP has fallen below the 200-day moving average, a classic sign of a prolonged bearish trend.
The failed push above $3 and the subsequent slide to $2.35 mean that XRP holders should expect further downside and prepare themselves to be patient. Stablecoins have already become a habit among crypto natives, and stablecoin chains want to make these digital dollars a habit among ordinary people.
Dollars now move globally in almost real-time. In that world, demand for XRP’s ledger is rapidly shrinking. And the chart says volumes about how investors view XRP’s prospects moving forward.
Why Investors are Calling Digitap the “Next PayPal”
PayPal pioneered electronic payments. Now Digitap is doing the same thing, but supercharged with blockchain rails. PayPal scaled by making transfers faster and more convenient through a vast acceptance network. Digitap follows that logic for the stablecoin era.
The app, live now for download, looks like a bank account. But Digitap is an omni-bank where fiat and crypto live together. The rails underneath have changed, but the user experience has not. And tapping into existing customer behaviors with enhanced operational efficiency is how fintechs have disrupted enormous industries since the start of time.
One Balance, All Forms of Value
The Digitap app shows a single balance: crypto and fiat together. Users can send money anywhere they want in any currency they want. And the clever thing about Digitap is its multi-rail architecture.
When a payment happens, Digitap’s AI-powered router checks the routes available at that moment. If a crypto path is cheaper, it uses that. If a bank corridor is cleaner for that destination, it switches. The system makes all these choices in the background. The end user enjoys payments that are simple, sent in seconds, with negligible fees.
Stablecoins have won the war. New stablecoin-focused networks are adding speed and capacity daily. Digitap’s design as an interoperability layer between traditional finance and crypto allows it to integrate all these rails.
Unlike Ripple, which fights on the tech front, Digitap fights on the UX front. Its primary aim is customer-first adoption.
Why Digitap Could Become 2025’s Fastest Horse
Digitap comes with a Visa card that anyone can try today. A balance held in fiat, stablecoins, or crypto can be used at any terminal that accepts Visa. This is distribution on a massive scale, and with the market ignoring fancy ideas and paying for things that work, $TAP is excellently positioned.
The current price of $0.0194 screams undervalued, and with a 38% jump to $0.0268 in the next round, anyone who purchases today can lock in paper gains in the coming weeks.
XRP looks heavy under $2.35, while $TAP is being crowned as the next PayPal. Digitap is perfectly capturing the stablecoin narrative, already offers a Visa card, and has a tokenomics model that links adoption with token success. Unsurprisingly, many think $TAP could become 2025’s fastest horse.
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
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.
