XRP began 2026 with renewed activity after a late-2025 pullback. It opened the year around $1.84 and reached $2.38 in early January, supported by ETF inflows and positive market sentiment.
With a market cap near $125 billion, further upside for XRP requires substantial capital inflows, making incremental gains more measured. Digitap ($TAP), currently in presale at $0.0427, is smaller in size but is building traction with a live omni-bank platform that blends crypto and traditional finance.
XRP Market Overview
Analysts’ 2027 projections for XRP suggest a range of $3–$5 per token, which implies potential market caps of $180–$330 billion based on circulating supply. Achieving these levels depends on regulatory clarity, ETF approvals, and continued adoption of RippleNet infrastructure.
XRP has historically shown high volatility, with swings driven by legal events, exchange listings, and institutional flows. Spot ETF inflows reached $1.3 billion over 50 days, showing ongoing institutional interest. Despite these positives, market size and external dependencies create natural limits on growth speed.
Digitap Overview: A Live Omni-Bank
Digitap ($TAP) is designed as a PayFi solution, integrating crypto and traditional banking in a single platform. Key features include:
- Multi-asset support: 20+ fiat currencies and 100+ cryptocurrencies
- Smart routing system: AI selects optimal paths for transactions (public blockchain or legacy rails like SWIFT, SEPA, ACH)
- Low-cost cross-border transfers: remittances below 1% settlement fees
The platform is live, with over 120,000 wallets already connected. It aims to serve everyday users, freelancers, and global payments, differentiating it from XRP, which primarily focuses on institutional banking infrastructure.
Market Position Comparison: XRP vs Digitap
- XRP: Institutional-focused, high market cap, limited short-term upside, dependent on regulatory and ETF developments.
- Digitap: Consumer-focused, live omni-bank, active presale, growing adoption, positioned to serve new payment segments.
Digitap presale has raised over $4 million and distributed more than 188 million tokens. These metrics indicate real-world interest and platform usage, rather than purely speculative activity.
For more information
- Access Presale: https://presale.digitap.app
- Website: https://digitap.app
- Social Links: https://linktr.ee/digitap.app
The project provides transparent participation metrics and ongoing updates about adoption and platform activity.
Closing Perspective
XRP remains a significant altcoin with strong institutional backing and defined infrastructure. Digitap complements this by focusing on consumer adoption, multi-rail payments, and a live platform.
For those monitoring PayFi innovation, Digitap demonstrates active traction and ecosystem growth while remaining in its presale phase. Its early adoption metrics and live functionality offer insight into potential usage patterns and network engagement in 2026 and beyond.
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.
