For more than a decade, XRP has promised to modernize cross-border payments and run to a $150 billion valuation, promising institutional adoption soon. Investors are seeing through this, and after repeated failures to breakout, investors are rotating away from XRP and into Digitap ($TAP) and Remittix ($RTX).
Investors want real-world volume, and the vacuum left behind by XRP has a whole group of traders looking for the next star in the cross-border payment trade. Who will become Ripple 2.0?
Crypto presales $TAP and RTX are the frontrunners, and anyone putting together a list of best cryptos to buy in November should have boat on their list. Both are players in the same race, and here is what investors need to know: time for the Digitap vs. Remittix showdown.
Remittix ($RTX): Next-Gen Remittance Lane
Remittix focuses on a single, useful job: allowing crypto payments that settle in fiat to local bank accounts with flat, transparent fees. This simplicity is perfect for the job. Remittance corridors only have to do one job: get money from location A to location B.
A sender originates the transaction in crypto, and a recipient receives fiat into a domestic account. Remittix charges a flat 1% much better than the legacy industry average of 6.4% and settlement is ostensibly faster, but until the app is live, this remains to be seen.
The only tradeoff Remittix bulls face is scope. A remittance lane is narrow in nature, and Remittix will have to onboard local payout partners in a piecemeal fashion. A solid crypto presale that addresses a clear and highly sought-after need. However, RTX lacks robust tokenomics, with no revenue share, and the potential multiple of a remittance service remains relatively low, especially in comparison with an omni-bank like Digitap.
Regardless for anyone bullish on crypto rails disrupting traditional rails, Remittix is a leading altcoin to buy this quarter.
Digitap ($TAP): Building an Omni-Bank
Digitap is taking a much bigger swing, and therefore, the potential to command a multiple larger than Remittx is very real. It has built the world’s first omni-bank, and users can download the app today—this product-first approach is another major advantage.
What is an omni-bank? It is a single money environment where fiat, stablecoins, and crypto coexist. Digitap presents this dashboard with a neobank-grade aesthetic but powered by a multi-rail architecture underneath. Digitap doesn’t believe in a single payment rail. It integrates on-chain networks and established banking systems like SWIFT, SEPA, ACH, and Faster Payments.
Digitap unlocks deposits, crypto-to-fiat conversions, payouts, card spending, and cross-border transactions all from a single dashboard. Want to swap BTC to fiat instantly to avoid market downturn? Digitap does that. Want to send a transaction across the world within minutes? Digitap does that. Want to spend crypto balances in real stores with a Visa card? Digitap does that.
This omni-bank has built a full-money stack that drags money into the 21st century. And because it offers typical banking services and supercharges them with blockchains, $TAP could command a fierce valuation in 2026 as it hits the adoption curve.
Even better, investors can purchase $TAP for just $0.0297 today and get ground-floor access to an application that could redefine finance forever.
Best Altcoin to Buy: $TAP or $RTX? Which Wins the 2025–2026 Cycle?
But which will become Ripple 2.0? XRP’s promise was to deliver fast, cheap, and global transfers. Remittix offers decent remittance utility, but Digitap goes beyond with its suite of banking services. Both projects benefit from the same secular trend—stablecoins becoming the internet’s settlement layer. That means execution and distribution will decide the winner.
Remittix has not released its beta yet. Digitap already has thousands of users actively making transfers on its app and spending crypto with virtual Visa cards. Plus, the $TAP tokenomics are stronger with 50% of profits used to burn supply.
While both are good crypto presales to buy in November and arguably the leading altcoins to buy before 2026, Digitap is stronger because it offers more complete exposure. And if one of these platforms brings global money into the internet age, it is likely to be Digitap.
Digitap is Live NOW. Learn more about their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Win $250K: 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.
