The excitement around crypto presales has intensified as Digitap (AP) continues to outpace even XRP’s early token distribution phase. The project has now raised over $1.6 million, selling more than 100 million tokens in less than two months. And this success is driven by utility, not hype.
Digitap is an omni bank that has already delivered a working product available on both Android and iOS. Investors and users can download the app today to perform payments, withdrawals, deposits, transfers, asset swaps, invoicing, and more. Its compliant combination of fiat and crypto banking makes it one of the most promising altcoins to buy this year, setting it apart even from giants like XRP.
For many, Digitap isn’t just a presale—it’s shaping up to be the best crypto to buy before the next market wave.
### The XRP Payment Giant Is Under Pressure
Ripple’s XRP remains a top institutional payments token, powering cross-border settlements for banks and fintech firms. Its utility is undeniable: the coin is fast, low-cost, and effective in achieving its goals.
However, this focused mission is also its limitation. XRP has experienced explosive price increases from late 2024 to early 2025. Currently trading at $2.18, it’s not far from its all-time high of around $3.40. But Ripple’s focus on large institutions means retail users can’t simply download an app and use XRP for everyday payments and transfers. This narrows its addressable market, which depends heavily on agreements with prominent banking and corporate executives.
Additionally, as an institutional coin, XRP faces extra regulatory scrutiny. Its value remains sensitive to SEC updates rather than technological innovation. Despite strong liquidity, XRP’s centralized nature and fixed utility contrast with the new generation of decentralized banking solutions emerging in 2025.
Investors are increasingly seeking projects that blend institutional credibility with user-driven incentives—areas where XRP’s traditional framework struggles to compete.
### Digitap’s Crypto Presale: Web3 Banking for the Retail Population
Digitap is building what many consider the future of hybrid finance—an omni bank system that fuses DeFi and fiat under one roof. Users enjoy seamless withdrawals, deposits, payments, and asset swaps, effectively bridging traditional banking with Web3 flexibility.
This is why analysts consistently rank AP among the best cryptocurrencies to buy now. Currently trading at 80% below its projected $0.14 launch price, Digitap’s token is directly tied to a real financial platform generating ongoing revenue.
Its card is Visa-compatible for everyday transfers and includes a 50% token burn alongside a sustainable 124% annual percentage yield (APY) for users, promoting long-term price stability. As adoption scales, AP holders benefit from staking rewards funded by platform profits, creating a circular economy instead of hype-driven demand.
With compliant user onboarding, Digitap could become the first Web3-native app to rival traditional fintechs. It remains accessible to a vast market beyond institutions, offering as few barriers to entry as possible.
### Why Analysts See AP Overtaking XRP
AP’s projected $15 valuation represents a 500x increase from the current price—a figure actually lower than XRP’s early-stage multiplier. But Digitap’s potential surpasses Ripple’s not only because of its 50% token burn or 124% staking APY (which XRP lacks), but mainly due to its much larger addressable market.
This includes the 1.4 billion globally unbanked individuals who fall outside Ripple’s target, as well as remote workers and business owners in developed countries. All that’s required to participate is a smartphone and an internet connection to access a fully functional omni bank offering instant deposits, withdrawals, transfers, swaps, and more—without privacy intrusions or KYC restrictions.
Digitap delivers a rare blend of proven delivery and upside potential. It’s not speculative speculation—investors can download the app today and evaluate its utility firsthand. There are no restrictions, the feature set is robust, and the upside aligns with the size of its market.
### AP at $15: A Dream Come True?
Digitap’s crypto presale has already exceeded $1.6 million raised with over 100 million tokens sold, confirming strong early demand. Its unified approach to DeFi, banking, and yield makes it one of the smartest altcoins to buy this year.
While XRP continues to deliver utility, it may no longer be the best crypto to buy heading into 2026. Its institutional market is limited and increasingly competitive, and it has already seen substantial price multipliers.
In contrast, Digitap’s $15 banking dream may not just be an analyst projection, but a realistic target based on a new financial model for Web3. AP could easily replicate XRP’s impact on the institutional market by dominating the retail market, hitting $15 along the way.
Digitap is live NOW.
Learn more about their project here:
– Presale Website: [Insert link here]
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– Win $250K: [Insert details/link here]
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*The post [Digitap’s (AP) $15 Banking Dream: Why Analysts Rank It Above XRP Price Prediction](#) first appeared on Blockonomi.*
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