Whales are moving. Big XRP holders have seen the writing on the wall. With stablecoins now carrying most of the volume for cross-border transactions and new stablecoin chains launching, which will only accelerate this trend further, Ripple has had its day.
The next crypto banking plays will be interoperability layers between TradFi and DeFi, consumer-facing applications that package stablecoins neatly, and products that drive real-world adoption and make crypto spendable in shops all over the world.
That’s why XRP whales are rotating into the Digitap ($TAP) presale. It has a live Visa card, integrates blockchains and traditional rails, and as its new non-KYC card goes viral, looks increasingly likely to be the fastest horse in the PayFi race this year.
What you'll learn 👉
XRP Whales Change Course
Large holders only rotate when the thesis changes. The original promise behind XRP was clean and incredibly strong in 2012. But not in 2025, the adoption curve has not been strong.
Stablecoins are eating the world, and new chains built for these assets are pushing speed and scale even further. With this backdrop, the cross-border crypto/ PayFi trade has entirely changed.
Whales are now looking for applications that build clean front ends to drive grassroots adoption. And looking at the XRP chart, it appears that whales have been selling their Ripple holdings since mid-July this year, with XRP in a clearly bearish long-term trend.
How Stablecoins Changed Everything
XRP’s idea was to disrupt global transfers with lower fees and faster settlement. The market still wants this and will pay an enormous premium for it. But stablecoins have taken that role from XRP. Stablecoins move in minutes, compared to the several days banks take.
Fees are reduced from an average of 6.2% to just a few cents, and there is no settlement risk. New chains are further decreasing costs and increasing speed, creating a battleground where XRP cannot compete.
Rails that make money move like messages are winning. The asset that best captures that flow is the one that hides complexity and meets people where they already spend time.
Digitap’s Visa Card Turned Crypto Into Everyday Money
Digitap is the world’s first omni-bank, and its app is available to download today. It blurs the line between fiat and crypto, allowing users to transact in any value they want. Cross-border payments are now instant, and the Visa card, which recently went viral because it does not require KYC, allows any Digitap users to pay with crypto anywhere a merchant accepts Visa.
Apple Pay and Google Pay support means people can sign up and begin using the card the same day, and even more interesting is Digitap’s architecture. It looks like a polished neobank. Inside the account, fiat, stablecoins, and crypto sit side by side. When a payment happens, an intelligence layer checks price, speed, and liquidity in real time and picks a route.
Signs of a Longer-Term Consumer Shift
Digitap is pulling attention from traders, freelancers, and business owners globally who want fast settlement and low costs without new workflows. While crypto natives love wallets and seed phrases, they are confusing to regular people.
The beauty of Digitap is taking superior complicated products, abstracting away the difficulty, and presenting a familiar interface to users. The native $TAP token is at the heart of the ecosystem, with 50% of platform profits allocated to reward stakers and permanently reduce supply via burns.
Investors will see direct flows towards the token as Digitap sees adoption, and the potential for a powerful flywheel effect is very real. The more spending routes through the system, the product improves, and the token’s supply starts to drop drastically. Everyone knows a lower supply puts upward pressure on price.
Why Whales Prefer $TAP to XRP
The cross-border payments trade is still alive, but it has matured. Whales are expressing the same idea through Digitap instead of XRP now. A platform with a live card, a bank-grade interface, and rail-switching under the hood simply operates on a different level than Ripple.
Whales are still betting that money should move like software, but now they are backing $TAP instead of XRP. And with $TAP available today for just $0.0194 and the next stage seeing a 38% price increase to $0.0268, it is easy to see why these whales are busy accumulating at the current levels.
Discover how Digitap is unifying cash and crypto by checking out their project here:
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