For years, XRP and Stellar (XLM) have been the champions of fast, low-cost transactions. They built their reputation by solving problems that traditional finance couldn’t. But crypto is constantly changing, and new challengers are stepping up with even more ambitious solutions.
One project in particular, Digitap, is now being touted as a next-generation alternative to XRP and XLM – and some analysts believe it could even deliver a 100x rally after launch, given that its native token, TAP, is currently in a viral presale.
What you'll learn 👉
Why Digitap Stands Out Against XRP and XLM
XRP and XLM changed cross-border payments by making transfers faster and cheaper. But even they charge small fees on each transaction.
Digitap takes this idea further by offering 0% transfer fees, something neither XRP nor XLM can match. For users and businesses moving large sums, this makes a huge difference.
The US 🇺🇸 and UK 🇬🇧 are about to announce a crypto cooperation deal.
— X Finance Bull (@Xfinancebull) September 18, 2025
Guess what sits perfectly aligned? $XLM.
Stellar was built for cross-border payments, stablecoins, and ISO 20022 compliance.
US-UK alignment could make XLM the backbone of finance.
Lets go $XLM Holders! pic.twitter.com/mo2sufbmSi
Beyond free transfers, Digitap focuses on more than just payments. It is creating a complete digital finance hub where crypto and fiat work together seamlessly. With its omni-bank and “all-in-one app” system, users can handle everything – from sending stablecoins to paying bills in fiat – all inside a single platform.
That’s something XRP and XLM never fully delivered on, and it’s why Digitap is quickly being compared to them as “XRP 2.0.”
Digitap’s One App and Omni-Bank
Most crypto users today rely on a mix of wallets, exchanges, and banks to manage their money. It’s messy and complicated. Digitap solves this by combining everything into one platform.
Users can connect to a Coinbase or Binance wallet, Metamask, or even a traditional account with Citi or HSBC, and everything flows into the omni-bank.
The result is that users have total control over their money without the need to switch between apps. Users can deposit USDT from Binance, pay a bill with their Citi account, and send a cross-border transfer in seconds – all from the same screen.
For freelancers, remote workers, and global businesses, this is a major leap forward.
Cards That Bridge Crypto and Fiat
Digitap also brings flexibility with its multi-purpose cards. Instead of offering only one type, users can create virtual cards instantly for online shopping, order physical cards for daily spending and ATM withdrawals, or even personalize their own custom-designed cards.
Each card can be linked to both crypto and fiat at the same time, giving users freedom to choose how they spend. For someone earning in USDT but living in a country where daily expenses are in local fiat, this feature is game-changing.
Additionally, unlimited card creation and spending permissions make it practical for managing business expenses or separating personal and professional finances.
TAP Token: The Engine of the Ecosystem
All of these services run on the $TAP token, the heart of Digitap’s ecosystem. Digitap has a total supply of 2 billion $TAP tokens, with 44% (880 million) allocated to the presale, giving early investors the biggest share of supply. The project also set aside 13% for marketing and 12% for giveaways.
To support liquidity, 10% is reserved for CEX/DEX listings, while 9% is dedicated to staking rewards and 7% to the treasury. Development receives 4%, and just 1% is allocated to the team, locked for five years.
The project uses a buyback-and-burn model, where 50% of platform profits are used to buy back tokens. Half of those tokens are permanently burned to reduce supply, while the other half is distributed as staking rewards to holders.
This creates two powerful incentives: scarcity through burns and passive income through staking. On top of that, $TAP is used for discounts, premium card features, and governance, ensuring it has real utility from day one.
Presale Momentum: A Rare Opportunity
The market is already showing strong interest in Digitap’s presale. So far, more than 32 million TAP tokens have been sold in the presale. At the moment, tokens are priced at $0.0125, but the next stage is set at $0.0159. This means early buyers can secure an advantage before the next price tier kicks in.
Presales like this don’t stay quiet for long. The demand for $TAP is expected to grow as more investors become aware of Digitap’s zero-fee transfers, omni-bank, and multi-card system.
Could Digitap Really 100x?
Comparisons to XRP and XLM might sound like hype, but it’s actually way more than that. Those projects reached multi-billion-dollar market caps by solving real problems in payments.
With Digitap, you get a lot more than a traditional bank – free transfers, a one-stop digital bank, borderless cards, and a token with built-in deflation and rewards.
If adoption grows as expected, analysts believe $TAP could follow a similar path and potentially climb much higher. Analysts are already ranking it as a top crypto to buy today, and with the next price jump around the corner, the opportunity for early buyers is clear.
Discover how Digitap is unifying cash and crypto by checking out their project here:
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