XRP slipped below $2.40 again, and the chart looks heavy. In 2012, Ripple’s idea of faster cross-border payments using a digital ledger was revolutionary. But now in 2025, there are new competitors, and Ripple is failing to move with the times.
Stablecoins process multiples more daily volume than XRP in cross-border payments, and this will only increase with more stablecoin chains launching. Web2 firms are rolling out their own rails, such as Stripe’s Tempo payments chain. More headwinds for XRP.
But why has the upstart Digitap ($TAP) been named as the best banking token for 2026? It provides a product that regular people can use today. It is playing a different game: bridging the old system and the new one, hiding the rails, and making the experience feel like a neobank. Digitap can integrate each new stablecoin chain as it comes online, and its presale is already selling out fast.
After the liquidation event, XRP looks like a range asset
XRP ideally wanted to break upwards, cross $3, and then use it as support. That’s what the bulls wanted to see. Now that price has fallen back below $2.40 and XRP has fallen out of the cloud, it exists in no man’s land. Bears definitely have the momentum at these levels, and if it doesn’t hold here, it looks likely to revisit below $2.
All rallies are being met with sellers, and even long-term bulls are losing patience. While the idea of modernizing cross-border payments still reads well on paper. The problem is that nobody is actually using Ripple’s ledger to process any meaningful volume, and the price is starting to reflect that gap.
How the banking token race changed
Stablecoins changed the game and carry billions of dollars around the world daily. They are digital dollars, fees are negligible, they arrive in seconds, and teams of builders all over the world are building new rails for them right now.
Plasma is a clear example of a network purpose-built to scale the speed and adoption of stablecoins. Web2 companies are pushing payment products that use blockchain rails, and all of this crowding makes it increasingly difficult for XRP to show clear growth. People are simply not using the product.
Now the race is on to find the consumer-facing applications that will get real people using stablecoins. That’s how the banking token race changed.
Crypto cross-border payments trade pivots toward UX
Money at internet speed needs two things: cheap rails and a front end that feels safe. The rails exist. The missing piece has been the face users trust.
A banking-grade app with a card that works anywhere sets the right expectation. Tap at checkout. Pay a supplier. Move a balance across borders the same day. When that experience is clean, adoption follows. This is the gap DigiTap is aiming at.
DigiTap’s thesis
DigiTap looks like a modern banking app—but it is an omni-bank. A single app where fiat, stablecoins, and crypto all coexist. The idea is simple. Get the best modern rails integrated (blockchains), integrate the old rails so people can make instant crypto-to-fiat swaps, make the UX easy to understand, hiding any complexity, and bridge traditional finance and crypto.
Digitap is a bridge that lets the legacy side and the blockchain side work together. It is built to plug into whatever network makes a given transfer cheaper or faster. New stablecoin chains can be added as they launch.
Why Digitap’s Visa card is a game-changer
A real card is a killer distribution network to get crypto into the real economy. Digitap’s virtual and physical Visa cards connect balances to the physical world.
Apple Pay and Google Pay support make it easy to use on day one. The merchant only sees Visa, and now stablecoins, BTC, major altcoins, and numerous other cryptos can be spent. Even better, when Digitap makes the conversion, an intelligent smart routing system finds the best swap price automatically.
Why Digitap’s UX-first strategy could make it the best banking token for 2026
XRP is chasing bank partnerships and still waiting for real-world use. DigiTap flipped that approach and starts with the user. Anyone can download the app today before participating in the presale, and in a market that is prioritizing execution, this style has worked perfectly, explaining its booming early success.
Digitap is already a product and has raised more than $750,000 since launch. The current price of $TAP sits at $0.0194, with a planned jump to $0.0268 in the next stage. And that looks very cheap for a token that plans to hyper-scale crypto adoption. And the token is wired to platform activity, with 50% of profits used to reduce supply via burns and reward stakers.
With XRP fading below $2.40 and headwinds stacking against it, the crypto banking trade is finding new favorites, and Digitap is the prime candidate. Become an early adopter today by joining the presale, or download the new app and see what the omni-banking experience is like.
Discover how Digitap is unifying cash and crypto by checking out their project here:
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Disclaimer: This is a paid post and should not be treated as news/advice.
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