Digitap ($TAP) aiming to surpass XRP this year signals an aggressive ambition, but with the banking crypto presales experiencing a boom in January 2026, investors are increasingly receptive to significant disruptions within the payments sector. While the precise timing remains a subject of discussion, the strategic direction suggests that $TAP represents a compelling trade over XRP.
This year, the market is prioritizing tangible adoption and robust business models. Fintech products that demonstrate consistent shipping, user onboarding, and value capture are emerging as the clear winners. The most intriguing altcoins to consider this month are not DeFi tokens or layer 1 solutions, but rather consumer-facing applications.
A new phase for cryptocurrency is commencing, where the applications individuals use daily will triumph over speculative ventures. Digitap is positioned at the forefront of this transformation, and following its impressive presale funding of $4.1 million, $TAP stands out as one of the most promising cryptos to acquire now for the 2026 banking trade.
Ripple (XRP): The Established Institutional Payments Trade
XRP continues to be the de facto altcoin for payment-related investments. Launched in 2012, its objective was to modernize cross-border payments, reduce friction, and facilitate faster and more cost-effective settlements compared to traditional systems. Financial institutions recognize the value proposition of XRP, which has contributed to impressive XRP ETF trading volumes.
However, despite being a dominant player in the crypto banking sector, XRP is not the most agile. While it serves as a valuable indicator of the sector's performance, it is hindered by high inflation rates, insider selling activity—evident in its downward trend since July of the previous year—and a substantial valuation exceeding $120 billion.
The landscape of payment solutions is evolving rapidly. Concurrently, XRP remains a primary institutional investment. Investors are now shifting their attention to the consumer layer, and within this emerging space, new banking products are gaining significant traction. This reinforces the notion that the best altcoins to invest in this year are those actively onboarding new users. Consequently, $TAP emerges as a potential candidate to challenge XRP's dominance.
Digitap ($TAP): A User-Centric Approach to Payments
Digitap is prioritizing the acquisition of consumers. Savvy investors understand that payment adoption is cultivated from the grassroots, which helps to explain the early success of this crypto presale. Remittances and cross-border transactions involve families sending money, freelancers receiving payments, and small businesses transferring value internationally. This constant flow represents the essential lifeblood of global commerce.
Positioned as the world's inaugural omni-bank, Digitap effectively bridges the gap between fiat currencies and cryptocurrencies, directly addressing this vital flow. The global money application is currently operational, offering a unified interface where all forms of value coexist and are transacted in real-time.
This approach provides a more accurate reflection of an increasingly digital-first world. Through Digitap, users are relieved of the burden of managing multiple applications or needing extensive knowledge of cryptocurrency. They simply benefit from superior infrastructure and improved financial outcomes. The substantial $4.1 million raised thus far clearly indicates market enthusiasm for consumer banking, with the Digitap crypto presale being treated more as a product launch than a mere token sale.
$TAP's Potential for Significant Growth This Year
The underbanked population is vast, numbering approximately 1.4 billion individuals globally. The ability to deliver financial services to anyone with a mobile phone represents a monumental advancement. If a product can provide enhanced access, superior infrastructure, and more affordable cross-border financial solutions through a familiar interface, adoption can occur at an unprecedented pace.
This is the scaling mechanism for successful fintech platforms. They identify a problem and allow free markets to drive their expansion. Digitap is engineered for this environment, functioning as a digital-first banking product that makes stablecoin infrastructure accessible to millions.
The platform facilitates cross-border transfers at a cost below 1%, offering a clear value proposition for everyday users. Another key area of value lies in the privacy and offshore banking options provided through Digitap's Premium and Pro accounts.
Banking regulations have become more stringent in recent years, and Digitap's accounts offer valuable alternatives for individuals seeking access to global banking services and offshore accounts. Crucially, these features are designed to perform consistently across all market conditions, whether bullish or bearish.
Assessing the Best Crypto to Buy Now: Can $TAP Outperform XRP This Year?
The payments industry is undergoing a significant transformation this year. Stablecoins are gaining prominence, and the most advantageous altcoins to acquire are those applications that align with this trend. While XRP may still experience price appreciation, Digitap is pursuing a different objective: to revolutionize global finance through a mobile application.
One of $TAP's most significant advantages over XRP is its tokenomics model. Fifty percent of platform profits are designated for buybacks and staking rewards, which effectively reduces the supply over time and directs value to token holders. As adoption increases, $TAP is expected to appreciate in value. Currently available at $0.0427 and scheduled to increase to $0.0439 in less than a week, this altcoin could be significantly undervalued in the current market.
Stablecoins are set to fundamentally alter the payments landscape, and $TAP is positioned at the forefront of this new financial era. While overtaking XRP might be a long-term endeavor, this crypto presale represents a strong contender to lead the banking sector's bull run this year.