As crypto adoption grows and the global crypto market cap is expected to reach $11.7 trillion by 2030, investors are paying closer attention to projects building real payment infrastructure. The payments sector is expected to capture a large share of the crypto market, and the most promising projects in this space could offer significant upside for early adopters.
XRP remains the leader in institutional cross-border payments, but retail payments still represent a major opportunity, especially within the $900 billion remittance market. While 2025 brought notable interest in Remittix, the project has yet to deliver a visible product. Meanwhile, Digitap ($TAP) is drawing attention for its live omnibank platform.
Digitap has already launched a working app that combines crypto and fiat spending in one place. Users can spend, manage, and swap assets within a single interface, positioning Digitap as a strong contender in the 2026 payment race.
Ripple (XRP) Leads Institutional Payments
Ripple is one of the most established players in cross-border payments for institutions. The network has been operational since 2012, aiming to move funds globally with reduced friction and faster settlement times.
Like many large-cap cryptocurrencies, XRP has faced downward pressure in the past year. The token has declined roughly 38% and currently trades near the $2 support level. The primary concern for investors is XRP’s large market cap, which sits around $116 billion.
For XRP to deliver strong price growth, a substantial influx of capital would be needed. This can limit the potential for rapid gains in the short term. However, for investors seeking gradual and stable exposure to a major payments network, XRP may still be considered a viable option.
Remittix: Presale Momentum, but Product Updates Remain Limited
Remittix entered the market as a payments-focused project aimed at crypto-to-fiat transfers and cross-border remittances. The presale raised over $20 million, drawing attention from investors interested in payment infrastructure.
However, the project has not yet provided a clear product roadmap or recent updates. This lack of visible progress has raised questions among some observers about long-term timelines and execution.
Digitap’s advantage is that it already has a live app and visible user activity, which can be a key differentiator in a sector where adoption and usability matter most.
Digitap: Omnibank Platform Built for Real Usage
Digitap focuses on practical adoption rather than speculative hype. Its platform is designed to provide real financial access, enabling users to manage both crypto and fiat within one system.
The app allows users to accept crypto, convert it into cash, and transfer funds through authorized banking channels. This approach reduces reliance on centralized exchanges and can improve stability during market volatility.
The product is already live and available for download. The token is designed to support usage and rewards, rather than relying solely on future development milestones.
Digitap also supports card-based payments, enabling users to spend through existing payment networks. This feature can improve everyday usability, especially in regions where traditional banking infrastructure is limited.
$TAP: A Leading Presale Token Under $1 in 2026
Digitap’s presale has gained notable traction within a short period. The platform reports over 120,000 wallet connections and more than $4.3 million in investment in just over four months. This suggests growing interest in its all-in-one banking model.
The token structure is designed to support long-term value, with 50% of platform profits allocated to token burns and staking rewards. This aligns token economics with user adoption and network growth.
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The token is currently priced at $0.0439, with planned stage-based price increases ahead of a future exchange listing. While the project’s roadmap suggests potential future growth, investors should evaluate risks and timelines carefully.
Summary
The payments sector is attracting renewed interest as crypto adoption continues to expand. XRP remains a leading institutional payment solution, but its large market cap may limit short-term upside. Remittix has shown presale momentum, but its lack of recent product updates raises questions about timing.
Digitap stands out for having a working app and active user engagement, positioning it as a practical option in the payments space.
Discover how Digitap is unifying cash and crypto:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Giveaway campaign: https://gleam.io/bfpzx/digitap-250000-giveaway
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.
