$3.8M Floods Into Digitap ($TAP) as XRP Hunts $2.50: Which Crypto Wins the Payments Race?

Money talks—and right now, it's shouting about payments. A fresh $3.8 million is pouring into the Digitap ecosystem, signaling a major vote of confidence in its underlying token, $TAP. Meanwhile, the old guard isn't sitting still. XRP, the perennial favorite for cross-border transfers, is once again knocking on the door of the $2.50 price level, a threshold that has teased bulls for years.

The New Challenger Arrives

Forget slow, expensive legacy systems. The flood of capital into $TAP isn't just speculation; it's a bet on a new architecture for moving value. This project is built from the ground up to handle high-volume, low-cost transactions—the holy grail for daily commerce. It bypasses traditional banking rails entirely, promising merchants and consumers a frictionless experience. That $3.8 million isn't just an investment; it's a down payment on a future where digital wallets replace leather ones.

The Established Giant Flexes

On the other side of the ring stands XRP, a name synonymous with institutional payments. Its chase for $2.50 isn't just a price target; it's a symbol of its struggle for mainstream validation and regulatory clarity. Every surge toward that number reignites the debate: can this veteran, with its deep bank and liquidity provider connections, finally become the default for global settlements? Its network is battle-tested, but critics whisper it's still waiting for its 'killer app' beyond moving money for other financial institutions—a classic case of building a revolutionary highway mostly used by toll collectors.

Speed vs. Scale: The Payments Dilemma

So, which is the better buy for the payments-focused investor? It boils down to a fundamental choice. $TAP represents the pure, disruptive tech play: a specialized token designed to cut costs and finalize transactions in seconds. It's aiming for the point-of-sale, the online checkout, the peer-to-peer tip. XRP offers scale and an existing, if sometimes controversial, network. It's the play for those betting on the gradual, grudging adoption of crypto by the very incumbents it seeks to disrupt. One is a scalpel, the other a sledgehammer.

The race to power your coffee purchase is on. Will it be the agile newcomer flush with cash, or the entrenched giant finally hitting its stride? In crypto, as in traditional finance, sometimes the best technology wins, and sometimes it's just who has the best lawyers and lobbyists. Choose your horse—just know whether you're betting on the race or the regulatory approval process.

$3.8 million flowing into thewhile XRP bulls target $2.50 in the coming week tells the real story of 2026. Payments are back in the spotlight, and the market is already picking winners for the coming banking bull run.

But which is the bestfor payments? XRP has institutional adoption, and ETF volumes are impressive. But at a $130 billion valuation, XRP is already priced as if it were a finished product with global adoption.

Digitap is the opposite—it is about to enter its growth and scaling phase. With a user-first banking stack, a live app, and a presale price, $TAP is quickly becoming one of the hottest trades of 2026. As payments begin to dominate, investors need to start paying attention to the leadingin the banking race.

XRP Bulls Aim for $2.50 Next

XRP has been an excellent trade for anyone who bought it early, and now, for the first time in months, the chart is showing signs of life with a breakout. When the market wants a payments token, XRP is the first name that comes to mind, and a rally in XRP is a bullish sign for the rest of the sector.

The cross-border use case for crypto is very real. Legacy rails are slow, expensive, and full of friction. Blockchain settlement is much better at moving value across borders in terms of speed and cost. XRP’s $130 billion market cap is proof.

Now that XRP has broken back above $2, traders are aiming for $2.50 next, with a $3 target becoming consensus before the end of 2026. If Ripple can meaningfully break out and attention floods back to banking and payment tokens, the smaller caps in this sector could go on an aggressive rally in the coming weeks. And that’s why Digitap is attracting massiveinflows right now.

Digitap: Omni-Banking Built for the Consumer

Digitap is the world’s first omni-bank. A global money app that blends stablecoins, crypto, and fiat into one banking experience. It lets users MOVE value on the fastest and cheapest rail available, whether that’s crypto or legacy banking rails. Today, anyone can download this app and unlock a new digital-first banking experience.

In many ways, Digitap is built to make crypto rails usable for people who are not crypto natives. Its neobanking style interface makes everything familiar while stablecoins and blockchains do the work in the background.

This is why thisis being framed as one of the fastest horses in the banking race. It is going after the consumer first and scaling through real-world adoption. 

$TAP’s Non-KYC Visa Card & Multi-Rail Engine

Digitap’s non-KYC Visa card is arguably the biggest adoption driver right now, with thousands of sign-ups already. This Visa card turns on-chain balances into cash in the real economy and solves the last-mile problem.

The card also makes Digitap useful to two different user groups at once. Crypto natives get spending power with zero friction. Non-crypto users get a familiar payment experience, with improved settlement. This is how the next cohort is onboarded.

Digitap’s products also include multi-rail settlement, which is a serious plumbing upgrade. Funds can be routed via legacy rails or blockchain rails, depending on the most efficient option. And on the Digitap app, money just works better. 

Offshore Banking & Global accounts

Digitap’s Premium and Pro tiers offer offshore banking and multiple global accounts. This is starting to matter much more in 2026 as financial restrictions tighten and compliance friction increases. Many users want options, and that’s what Digitap delivers.

These accounts offer multi-currency IBANs designed for enhanced privacy and asset protection. Ideal for users who live across borders. 

XRP vs. $TAP: Which Altcoin to Buy Offers Better Tokenomics?

Tokenomics is the biggest decider in 2026. Investors don’t want useless governance tokens, and if a token does not capture value, it will likely underperform this year.

Digitap is leaning into this new reality, and the native $TAP token is an ownership LAYER tied to platform activity. 50% of platform profits fund the token flywheel, which includes token burns and staking rewards. That means as the platform scales, token holders share this success, and the current price of $0.0411 looks very undervalued, especially with a confirmed listing price of $0.14.

XRP should go to $2.50 and be a solid trade, but it cannot match $TAP’s upside potential. If XRP rally and payments become a leading narrative this year, $TAP could easily deliver 10X returns. Thisalready looks like a payments front-runner, and is easily one of the most interestingthis year. 

Discover the future of crypto cards with Digitap by checking out their live Visa card 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