In bearish conditions, narratives die, and cash flow survives. The recent market downturn has investors scrambling to secure investments in the PayFi sector, and almost all the best altcoins to buy in 2025 are focused on payments. As liquidity tightens and animal spirits unwind, investors are dashing towards products that can show real revenue and growth. That’s why Digitap ($TAP) crypto presale has quietly pulled in more than $2.1 million while other tokens bleed. Its live, no-KYC Visa card has been a game-changer, and with its stablecoin integration, it looks like it could be the best crypto to buy now for anyone bullish on payments.
XRP’s original vision for modernising cross-border flows was directionally correct, but stablecoins have become the winning rails. Investors need to adapt, and the leading altcoins to buy in 2025 look very different from the 2021 cohort. Digitap is capturing Gen Z and Millennials with its digital-first approach and rapidly outpacing XRP’s old rails.
XRP’s Rails: Right Idea, Wrong Vehicle
Ripple’s On-Demand Liquidity (ODL) showed that crypto rails could collapse settlement times in illiquid corridors from days to seconds. It was a massive breakthrough, and while XRP has built out an impressive list of partnerships, almost nobody is using the XRP ledger to make settlements at scale. Why?
Stablecoins arrived. Objectively offering a better solution with fewer moving parts and risk. Ripple itself has admitted this, leaning into stablecoin-powered cross-border solutions. But perhaps it is too little too late—the chart certainly sends that message. As stablecoins displace Ripple, naturally, XRP is no longer the leading altcoin to buy in the payments narrative. Now investors are looking for projects that will benefit from the enormous adoption of stablecoins.
Digitap’s No-KYC Visa Card and Omni-Bank UX
Digitap approaches payment from the opposite direction. Instead of trying to persuade institutions to adopt a payment rail, it accepts that stablecoins have already won and focuses on making them usable for regular people.
Created as the world’s first omni-bank, Digitap offers a single, global money app where users can hold multi-currency fiat balances and on-chain assets in one interface, move value across borders in real-time, and spend on-chain balances instantly with a Visa card.
The big feature is the non-KYC virtual Visa card, which can be spun up in minutes and used at millions of merchants worldwide. Thousands of users are already spending, and going after the consumer first seems to be the better strategy in the payments game. Under the surface, Digitap integrates multiple rails, including public blockchains and traditional payment systems such as SWIFT, SEPA, ACH, or Faster Payments.
This is a huge advantage as Digitap can onboard new and faster stablecoin-centric chains as they come online. They make the Digitap product stronger instead of acting as competition. The app, which anyone can download today, feels like a modern neobank but with crypto speed.
Going after the consumer with familiar products, such as Google and Apple Pay, regular Visa cards, and a digital-first app, are all things that XRP never did. Gen Z and Millennials don’t want to think about bridging assets; they just want their money to move faster. Digitap takes all these consumer behaviours and wraps them in a single app, and is basically Revolut and Binance joined together. That’s why this payment token has become a leading altcoin to buy this year.
Why Digitap Could Beat XRP as the Best Payments-Focused Crypto to Buy Now in 2025
Another big feature for the Digitap crypto presale is the tokenomics model that uses 50% of platform profits for permanent burns and staking rewards. This allows token holders to share in the platform’s success, and the current pricing of $0.0326 makes $TAP look incredibly undervalued.
Ranking among the best cryptos to buy now is not easy, but Digitap has managed it with its token flywheel. Investors should also be on the lookout for the 96-hour Black Friday bonanza that will feature $1 million in giveaways starting this Friday.
XRP versus Digitap is a story about where value accrues in a stablecoin-dominated world. XRP proved enormous demand for cheaper, faster cross-border payments. Stablecoins showed how it could be done at an institutional scale.
Now Digitap wraps all this progress into a familiar interface for regular users and is the type of app that could onboard the next billion users into crypto. This growth potential is what makes this crypto presale stand out this year, and a clear favorite to be the best crypto to buy now in 2025 for PayFi bulls.