Ripple’s XRP has long been considered the dominant player in the payments arena, especially for cross-border transactions. However, a new wave of top altcoins to buy, dubbed “XRP killers,” is emerging with the potential to outshine XRP in speed, adoption, and utility.
Many analysts agree that crypto presale projects should not be overlooked when searching for alternatives to blue-chip cryptos. These fast and hungry projects have the potential to modernize crypto- and blockchain-focused payments by offering some combination of faster settlements, lower fees, and broader real-world use.
One example is Digitap ($TAP), the creator of an “omni-bank” platform bridging crypto and fiat for seamless payments.
Below are four of the top “XRP killer” tokens to buy for an end-of-year 2025 rally.
- Digitap ($TAP): A next-generation digital bank pledging to move money cheaper and faster.
- Hedera Hashgroup (HBAR): An enterprise-focused public distributed ledger used for interbank transfers or high-volume retail payments.
- XDC Network (XDC): A bridge between private, permissioned systems and public blockchains.
- Currency of the Internet (COTI): A fintech ecosystem that prioritizes scalability and merchant-ready features.
Source: Digitap
What you'll learn 👉
Why Digitap Merits Spots On Crypto To Buy Now Lists
Unlike Ripple’s approach of partnering with banks, Digitap is taking a consumer-first approach. Digitap has already delivered a live app that integrates both blockchain and traditional payment rails. This means users can send and receive fiat and crypto and take advantage of an AI engine to route transactions through the fastest and cheapest path.
Although Digitap is a crypto presale project, it isn’t forcing its users to learn how to transact with crypto, or even to use it in the first place. The Digitap app can move money faster and cheaper, whether that’s through legacy fiat networks like SWIFT or via a public blockchain.
In some cases, fees can come in at sub-1%, representing a tremendous saving to users compared to the industry average cost of around 6.2%.
The recipient can even transfer their funds to Digitap’s Visa card and spend their money instantly wherever Visa is accepted. This is a feature that traditional payment tokens like XRP cannot replicate, making Digitap not only one of the top cryptos to buy now but also a prime “XRP killer” candidate.
Source: Digitap
Why A Consumer Focus Expands Digitap’s Addressable Market
Digitap’s ongoing presale of its native $TAP token is running hot, with more than $1.6 million raised in less than two months. This rapid fundraising comes at a time of general market weakness, with Bitcoin (BTC) trading dangerously close to the $100,000 level. Nevertheless, Digitap’s early success signals that investors recognize utility and value.
The presale’s structured pricing has seen $TAP rise from its initial price of $0.0125 to $0.0297. The next round is days away and will lift the token to $0.0313. While round-one investors are sitting on a more than 100% paper profit, the token still trades at roughly an 80% discount to its expected listing price of $0.14.
Encouragingly, Digitap’s optional no-KYC registration opens doors to the world’s approximately 1.4 billion adults, many of whom don’t have access to identification. This gives Digitap exposure to a massive addressable market that XRP’s bank-centric approach doesn’t directly reach.
Source: Digitap
Hedera Targets High-Speed Payments With Council Governance
Hedera’s hashgraph consensus allows the network to process over 10,000 transactions per second with finality in under five seconds. These specs outclass legacy networks, implying Hedera could handle global payment traffic at scale. This means Hedera offers banks and enterprises a high-speed alternative to legacy payment rails.
The network is governed by a council of multinational corporations, including Standard Bank, IBM, Google, and others, who run Hedera’s nodes and oversee its development. This also gives banks and enterprises a level of credibility and compliance readiness that is vital for usage in a heavily regulated market.
Source: @HederaFndn
XDC Bridges Private Systems To Public Chains For Trade
XDC is an enterprise-grade, hybrid blockchain designed for global trade finance and real-world asset tokenization. It is engineered to meet ISO 20022 financial messaging standards and serves as a bridge between private, permissioned systems and public blockchains.
XDC can handle around 2,000 transactions per second, surpassing XRP’s throughput of around 1,500 transactions per second. XDC is also EVM-compatible, meaning it is easy to integrate with existing Ethereum-based systems and smart contracts for payment transfers.
Source: @DigitalG15
COTI’s DAG Aims For Massive Scale And Merchant Tools
COTI is a fully fledged fintech ecosystem built around a DAG-based blockchain (Trustchain) that can process tens of thousands or even up to hundreds of thousands of transactions per second. COTI is also positioned as a complete payments solution and provides tools for businesses to create their own payment applications or even integrate COTI’s system in their checkout processes.
COTI is also a major advocate of privacy and stablecoins, which it believes represent the future of digital money. Its network is built to issue and transact with stablecoins efficiently and is the issuer of Cardano’s stablecoin.
Source: @tokenexplorer99
Digitap Stands Out As Altcoin to Buy Candidate
Digitap, Hedera, XDC, and COTI all bring distinct strengths in the quest to dominate crypto payments. Yet, Digitap arguably stands out as a top crypto to buy now and the best “XRP killer” of the bunch.
With its combination of live consumer adoption, strategic partnership with Visa, and fintech integrations, Digitap is not a theoretical solution; rather, it is a crypto presale project that’s operational and scaling today. It addresses the payments space from all angles, including retail users, merchants, and crypto enthusiasts.
Essentially, Digitap’s edge is that it’s already doing for the consumer what XRP set out to do for banks. The difference is that Digitap is doing it faster and more directly, making it one of the top altcoins to buy.
Digitap is Live NOW. Learn more about their project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
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