XRP just ripped double digits, shooting above $2.60 and waking up the Ripple bulls who had started losing faith. Ripple’s CEO Brad Garlinghouse literally told investors to ”lock in” and price predictions of $3.40 for the end of 2025 are being heard. But is this move sustainable?
Clearly, investors and liquidity still believe in the prize that is revolutionizing global capital flows. XRP jumping 10% means the winner of modernizing cross-border payments and settlement wins generational upside.
But will it be XRP? Digitap ($TAP) has smashed $1 million in its presale, giving regular users and businesses a working alternative to legacy rails today. While XRP went after banks and continues to do so with Ripple Prime, Digital is the consumer-first play.
A live omni-bank, a Visa card, and a mission to disrupt global flows. Here’s why investors should be paying attention.
Source: https://x.com/bgarlinghouse/status/1981786395967685105
Time for XRP Holders to Lock In?
XRP’s 10% jump came at the perfect moment. It protected key levels and saw XRIP push back into a long-term bullish trend. Most of this move was motivated by Brad Garlinghouse getting vocally bullish, talking about an ‘internet of value.’
Ripple is going heavy on institutional positioning. It completed a $1.25 billion acquisition of Hidden Road, rebranding it under Ripple Prime and pitching itself as crypto’s first true multi-asset prime broker with global reach.
The goal is to become the desk that routes high-value clients, treasury desks, funds, and corporates into digital assets—including XRP and Ripple’s dollar stablecoin, RLUSD. In simple terms, Ripple wants to become the default on-ramp for big money.
But while this move is certainly positive, the fact remains that Ripple has been operational since 2012 and has yet to see any real-world adoption. None of its partners regularly use the ledger for cross-border payments, and stablecoins are eating Ripple’s lunch. Hence, the desperate acquisitions made by Ripple.
Digitap is taking the opposite approach, explaining why so much early money has rotated into $TAP rather than doubling down on XRP at these levels.
Why the 2025 Banking Upgrade Will Be Decided at the User Layer
The entire banking framework is going through a once-in-a-generation reform. These happen rarely, and Trump is driving this with his active support of stablecoin expansion, and his use of these digital dollars is a strategic move to maintain global dollar dominance. The stakes are enormous in 2025.
Digitap is incredibly interesting because it is not asking banks to use its system. It is handing normal users and businesses a single app where traditional money and blockchain money coexist. The app automatically uses the fastest rail available, and transfers settle in minutes instead of days.
Flying past $1 million since launch, $TAP is now attracting investor attention, with some ranking it among the best altcoins to buy now. 
Digitap’s Omni-Bank: Same App, All Value
Digitap is branded as the world’s first omni-bank. This is not another chain but instead a full-stack money environment. But what does that mean in practice?
All forms of value—crypto, fiat, and stablecoins—are held in a single account rather than split across separate apps. That app is a clean, finance-grade interface that runs on desktop, iOS, and Android today. Thousands of users have already downloaded the product, are using the Visa card, and have likely been the biggest drivers of early presale success.
Money moves better with Digitap. For example, in a cross-border payment, Digitap’s AI system decides how to move it. If a traditional rail like SEPA, SWIFT, Faster Payments, or ACH is cheaper and compliant for that route, the platform uses that. If a stablecoin transaction on blockchain rail is faster, it uses that instead.
Cross-border payments go from an average fee of 6.4% and multiple-day wait times to happening in minutes for less than 1%. Traditional finance and blockchain now coexist within the same workflow, enabling end users to enjoy the benefits of both.
While Ripple is trying to get institutions to adopt new infrastructure, Digitap delivers both stacks merged together to the end user first. Now begins the scaling upward mission, and particularly exciting will be the integration of new stablecoin-centric chains.
XRP vs. TAP: Distribution Decides the Best Crypto to Buy Now
XRP’s 10% spike says markets still believe the prize for overhauling bank-era settlement is enormous. Digitap is attacking the same problem but from a different direction.
Stablecoins are already the dominant crypto product in this cycle, while cross-border settlement seeks lower costs and instant finality. Digitap merges bank rails and blockchain rails, ships it in an app, and hands out Visa cards tied into Apple Pay and Google Pay—this final distribution move is key.
$TAP is already being framed as “XRP 2.0” by early entrants, and the current price of $0.0194 looks criminally undervalued. Set to jump to $0.0268 in the next round, and with 50% of platform profits used to burn $TAP, it could end up being one of crypto’s most deflationary tokens.
Analysts keep sliding $TAP onto the shortlists of best cryptos to buy now, and it is easy to see why.
Discover how Digitap is unifying cash and crypto by checking out their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
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