Ripple has spent more than a decade telling the world it would modernise cross-border payments. But in the end, stablecoins have won the race. These digital dollars are already executing billions of dollars of cross-border payments. And that means the PayFi trade has changed.
XRP used to be the leading altcoin to buy for anyone bullish on crypto payments. Now that race is shifting to the consumer. Who can make the most accessible application that brings stablecoins to non-crypto natives? That’s the best crypto to buy now in the PayFi race.
That’s why the Digitap ($TAP) crypto presale is outpacing Ripple and has started to look like the natural “XRP 2.0” trade. It is turning stablecoins into a consumer-grade banking experience. And with only 38 hours left of its Black Friday sale, there has never been a better time to scoop discounted $TAP tokens.
Here’s everything investors need to know.
What you'll learn 👉
Ripple (XRP): The Frontrunner That Ended Up Coming Last
Ripple’s original thesis in 2012 was absolutely brilliant. The current cross-border payment infrastructure (the correspondent banking system) is not suited to modern business needs, being much too slow and expensive. Crypto could solve this gap, and the reason XRP has enjoyed enormous success is because of the enormous addressable market in remittances and wholesale payments. These markets are multiples larger than the entire crypto market.
XRP’s success proved the demand for modernised cross-border rails and crypto infrastructure. Ripple’s only problem is that the market has chosen stablecoins. The chart shows systemic weakness since July this year. With an already bloated valuation, fundamentals headwinds in the form of stablecoin adoption, and losing key levels, XRP does not rank as a top altcoin to buy in November.
It still has brilliant brand recognition, but PayFi is becoming a hotspot for a whole new wave of crypto presales, and these next-gen projects are getting ready to replace Ripple. Digitap is focusing on user experience, and its early presale success hints it could be the best crypto to buy now for cross-border payment bulls.
Digitap ($TAP): XRP 2.0 for the Stablecoin Era
Stablecoins won the rails war, and Digitap builds around them. Its live omni-bank app treats stablecoins, fiat, and crypto as equal citizens in a single account. The app can be downloaded today on iOS and Android, and it looks and feels like a neobank. The entire product is framed around how Gen Z and Millennials already manage their money—through mobiles, and Digitap is building digital-first finance for the new era.
In many ways, Digitap is a completion of XRP’s original vision. Ripple tried to be the new rail, whereas Digitap is the consumer-grade bank that rides on top of the rails that won. The exciting thing for investors is the current price of $TAP, which is just $0.0334. But scheduled to increase to $0.0361 in less than a week, and this stage is already 90% sold out.
Digitap has raised an impressive $2.2 million even amid bearish sentiment, and $TAP is increasingly becoming a leader in the payments sector, dubbed as one of the best cryptos to buy now.
$1 MILLION in CASH, PRIZES, GIVEAWAYS. BLACK FRIDAY SALE IS LIVE NOW
Multi-Rail Architecture, Visa Cards, and Real-World Spend
What distinguishes Digitap from other crypto presales is that it is already active in the real economy. Thousands of users have signed up to its Visa program and are using both virtual and physical cards. On-chain balances are now being spent in the real world.
Being called XRP 2.0 is not just for show either. The global money app lets freelancers receive payments in stablecoins, hold their wealth in BTC, send invoices to any country in seconds, and manage their card spending from a single interface. Digitap is all crypto under the hood, but with a familiar card on the surface.
When it comes to cross-border payments, it can execute transactions over public blockchains and legacy banking rails, delivering the best of both worlds. But the real reason $TAP ranks as a leading altcoin to buy this year is the token design. $TAP has a fixed supply of 2 billion tokens. And has committed 50% of platform profits to rewarding stakers and burning tokens. This flywheel means passive income for holders and a deflationary supply. In simple terms, when the platform wins, token holders win.
Best Crypto to Buy Now? 48 Hours Left to Join Digitap’s Mega Black Friday Sale
Digitap is currently running its “96 Hours of Madness” campaign that has turned Black Friday into a four-day $1 million giveaway bonanza. Until Monday, the official website will be posting a new deal every single hour. And only 48 hours of discounts remain.
Each unlocks a fresh opportunity, and nobody knows what is coming next. One hour rolled out a 22% token discount, and another had a 35% discount for users participating using ETH to pay. With more than $1 million in bonuses and rewards being distributed, presale participation has gone into overdrive.
With $2.2 million already raised, a live app on iOS and Android, a Visa program putting on-chain balances into real-world circulation, and a massive Black Friday sale, Digitap looks like the fastest-moving crypto presale on the market. And for investors bullish on Ripple’s original vision, $TAP is emerging as a leading crypto to buy now in the cross-border and payments space.
Discover how Digitap is unifying cash and crypto by checking out their project here:
Presale | Website | Social | Win $250K
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