In November’s shifting crypto landscape, many investors are asking: Which is the best crypto to buy now for real banking utility? While the names Dogecoin (DOGE) and XRP dominate headlines, a new contender, Digitap ($TAP), is emerging with a highly anticipated presale.
With Dogecoin rooted in meme culture, XRP catering to banks, and Digitap positioning itself as an all-in-one cryptocurrency for banking, the race for the top “banking coin” is heating up.
Digitap is more than just another cryptocurrency with a complete digital banking ecosystem built for the future of global finance. Digitap keeps the international remittance fees at roughly 1%, far below traditional banks’ 6.2%.
Let’s find out what each one has to offer and who will win the best banking coin race in 2025.
Assessing Dogecoin for Banking
Starting with Dogecoin, it began as a fun, community-driven coin with no serious banking use. While DOGE has gained retail acceptance and meme status, its utility in institutional banking or payments infrastructure remains limited.
Dogecoin price has dropped by 36% in the last 30 days. Its unlimited supply and inflationary model also contrasts with banking coins that emphasise scarcity or robust use cases.
Dogecoin’s strength is community and liquidity, but in banking terms, it lacks many of the features required for institutional adoption. There is limited infrastructure for KYC-compliant banking, and no dedicated payment rails tailored for banks.
XRP Offers Faster Transactions at Low Cost
XRP, meanwhile, is built precisely for payments and banking. Major banks and fintech firms use the XRP Ledger to settle cross-border transactions quickly and efficiently. Ripple’s infrastructure offers on-demand liquidity and acts as a bridge asset for international payments.
That gives XRP a strong claim as a banking coin. It is currently trading at $2.23 levels. But being well ahead in its growth curve, its upside may not match newer entrants.
XRP excels in the transaction timing domain. With settlement times of 3-5 seconds, low transaction costs, and adoption by dozens of banks globally, it has real traction. Its bridge-asset model is a powerful service for banks needing faster, cheaper cross-border transfers. XRP is strong and credible as a banking coin, but its price might be further along in the cycle.
What Digitap Brings to the Table
Its ongoing presale has already raised $1.4 million, with each $TAP token currently priced at $0.0268, and the next round set at $0.0297. These numbers mark the presale as one of the most accessible opportunities for early entry. It is trending as the best altcoin to buy now because Digitap merges crypto wallets, card payments, and borderless transfers in one app.
For those tracking opportunities in early-stage presales, Digitap holds a distinct advantage. Early adopters get in at a more favourable level. Being in the crypto presale phase also means fewer market participants and more room for upside.
Designed to bridge the gap between traditional money and crypto, Digitap allows users to hold, send, receive, and spend both fiat and digital assets from one seamless platform. Its mobile-first design ensures that even beginners can access advanced financial tools easily.
Tech-savvy users can enjoy deep functionality such as multi-currency management, instant global transfers, and a unified balance system that eliminates the need to juggle multiple wallets or apps.
One of Digitap’s standout features is its Visa-backed Digitap Card, which lets users spend crypto like cash anywhere Visa is accepted. The card integrates with Apple Pay and Google Pay, offers no-KYC onboarding, and supports both physical and virtual versions.
Users can generate unlimited virtual cards for online purchases or order custom metal cards for premium global access. This level of flexibility and privacy positions Digitap as a pioneer among altcoins to buy, combining real-world usability with blockchain efficiency.
Which Should You Choose as the Top Banking Coin?
Dogecoin remains strong on community and speculative dreams, but less compelling as a banking coin. If you’re looking purely for a banking coin with institutional traction, XRP leads. But if you’re looking for high returns, Digitap offers a compelling alternative.
Its deflationary tokenomics, featuring auto-buybacks and burns, ensure long-term value growth for $TAP holders. With offshore banking support, high-yield staking up to 124% APR, and privacy-first architecture, Digitap is the top crypto presale for November.
As global payments surge toward $250 trillion by 2027, Digitap is strategically positioned to capture massive user adoption and transaction growth.
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
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.
