The cryptocurrency market is closely observing payment-oriented projects, but developments have varied. XRP, historically a leader in blockchain payments, is trading within a narrow range near $2.06–$2.16, with limited movement beyond key resistance levels. Meanwhile, Digitap ($TAP) continues its presale, emphasizing its fintech platform features, Visa integration, and structured participation framework.
Meanwhile, Digitap ($TAP), an omnibank platform, has quietly surpassed $4 million raised in its presale. Retail investors are increasingly engaging with the project, drawn by structured participation, real-world use cases, and the PayFi niche.
XRP Remains Range-Bound Amid Resistance Levels
XRP has faced resistance near $2.35, a ceiling that has limited upward momentum since last year. The token also remains below the 200-day moving average at $2.32, which is often considered a key indicator for trend shifts.
Momentum indicators provide little guidance:
- RSI: Hovering in the low 50s, indicating balanced buying and selling pressure
- MACD: Flattened, signaling limited short-term momentum
Support levels near $2.00 are critical; a breach could push the token lower toward the $1.90 range.
ETF Support Provides Stability, Not Usage Growth
U.S. spot XRP ETFs currently hold roughly $1.5 billion, or 1.21% of total supply. Weekly inflows of approximately $55 million help buffer selling pressure.
However, on-chain payment activity has slowed, with transaction volumes hitting a 30-day low. While ETFs provide stability, real usage and adoption have not increased proportionally. Ripple’s longer-term initiatives, such as RLUSD stablecoin partnerships, remain relevant but have not yet impacted short-term trading activity.
Digitap Presale Highlights Retail-Focused Utility
Digitap is built around retail and small business usage, offering:
- Crypto banking app: Available on iOS and Android with over 120,000 connected wallets
- Unified fiat and crypto management: Hold, convert, and transfer funds seamlessly
- Flexible access: No-KYC wallet for basic use; higher tiers unlock virtual/physical cards and offshore accounts
Security is enhanced through audited smart contracts, avoiding complex DeFi mechanics that introduce additional risk. This approach emphasizes functional utility over transaction throughput metrics, appealing to everyday users.
Tiered Presale Provides Early Participation Opportunities
$TAP presale follows a staged structure:
- Initial price: $0.0125
- Current presale price: ~$0.04
- Confirmed launch price: $0.14
The presale includes a 240 million token reward pool for staking and user incentives. Promotions are designed to encourage early involvement, with bonuses available to participants during limited periods.
Institutional vs Retail-First Approaches in Payment Crypto
XRP continues to serve institutional payment networks, maintaining a secure long-term role. Near-term price growth is constrained by resistance and slower usage expansion.
Digitap focuses on practical retail use, providing solutions for cross-border payments, integrated crypto-fiat management, and Visa card accessibility. Its adoption-driven model offers a clear path for participation and structured engagement, especially in the PayFi sector.
For investors evaluating crypto projects in 2026, the decision may depend on whether the goal is institutional exposure (XRP) or retail-driven utility and early participation (Digitap).
Learn More About Digitap:
- 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.
