The Federal Reserve cut interest rates by 0.25% in October, marking the second such reduction this year following a similar move in September. This development has raised questions about whether altcoins are poised for a significant surge. Ahead of what is anticipated to be an exciting fourth quarter, significant accumulation of the LINK crypto, XLM Stellar, and Digitap ($TAP) by large investors, often referred to as "whales," has been observed.
XLM and LINK, being more established altcoins, may experience price discovery in the coming weeks. In contrast, $TAP, currently operating under the radar, is considered among the hidden crypto gems of 2025 with substantial upside potential and is expected to skyrocket. Its narrative of blending decentralized finance (DeFi) with traditional finance (TradFi), coupled with its small market size, has made it a new favorite among whales.
Digitap: Undervalued and Underpriced – A New Investor Favorite
Digitap is recognized as an undervalued DeFi gem brimming with potential. Currently priced at $0.0268 during its second presale stage, it presents an opportunity for early adopters to position themselves for significant gains. The project has also captured investors' attention due to its broad market appeal and a bullish narrative that bridges DeFi and TradFi.
By focusing on building the future of money and blurring the lines between cash and cryptocurrency, Digitap aims to be a game-changer. Its unique proposition allows users to spend digital assets as easily as cash. This is supported by its partnerships with Visa for its cards and integrations with Apple Pay and Google Pay.
Furthermore, as the world's first omni-bank, Digitap enables users to hold multiple assets and spend from a single, unified balance, paving the way for mainstream adoption.
Given these factors, investors have been actively acquiring the $TAP token. It is widely regarded as the best new crypto to invest in for 2025. At its current price of $0.0268, it represents a compelling investment opportunity. Participating in the presale now is projected to yield a 422% gain by the launch date, when the price is expected to reach $0.14. Even more impressive is the projected 45x gain post-launch, which has driven massive interest and pushed early funding past $1.2 million in record time.
LINK Crypto Poised for New Highs as Whales Accumulate
The LINK crypto is exhibiting an upward trading trend, indicating growing demand among whales. Over the past seven days, LINK has gained 5%, pushing its price above $18. Trading volume has also seen an increase, rising by 16% and exceeding $1 billion in the last 24 hours.
The question of how high LINK can go this year remains. According to Crypto Billion, a prominent analyst with a significant following on X, the LINK crypto could potentially reach $115 and $185 this cycle, positioning it as one of the best altcoins to invest in.
A sustained breakout above $52, its previous all-time high set in 2021, would likely propel LINK crypto into a phase of price discovery. From this point, a rally exceeding $100 is considered a realistic possibility, especially in light of the Federal Reserve's rate cut and the anticipated fourth-quarter market rally.
Why XLM Stellar is a Top Pick This Year – Add to Your Watchlist
XLM Stellar, currently experiencing a slight uptrend, is another altcoin favored by whales. This payment-focused altcoin is trading around $0.3 and is considered among the best penny cryptos for 2025.
XLM Stellar is also a popular choice among retail investors due to its accessible entry price. It is anticipated to surpass its all-time high of $0.9, recorded in 2018, during the current altcoin season, making its current price an attractive entry point.
Top crypto analyst Ali shares this optimistic outlook. Ali projects that XLM Stellar could reach $1, pushing it beyond its current all-time high and into price discovery mode. However, the analyst emphasized the importance of the $0.30 support level holding firm.
Stellar $XLM has a chance to rally toward $1 as long as $0.30 holds. pic.twitter.com/3JNPQgdcoN
— Ali (@ali_charts) October 14, 2025
$TAP, LINK, and XLM – What Whales Are Buying Now
The LINK crypto and XLM Stellar are on a trajectory to surpass their previous highs, positioning them as strong investment choices for this quarter following the Federal Reserve's rate cut. Meanwhile, $TAP, as the world's first omni-bank, is projected by experts to achieve a 45x gain after its market debut. Heralded as this year's best cryptocurrency investment, Digitap represents a bullish trend that should not be missed.