Ripple’s XRP token faces stiff resistance just below $2.25, and the complete absence of any buying momentum since the summer months doesn’t bode well for XRP’s near-term outlook.

While XRP consolidates, investor attention is shifting away from the legacy token toward Digitap ($TAP), a crypto presale fintech-focused project. Digitap is the company behind the world’s first “omni-bank” and ranks as one of the best cryptos to buy before it hits exchanges.

Source: Digitap

Digitap Banking Tools Stand Out Among Crypto to Buy

While XRP was created to help banks and payment providers move money across borders more efficiently, Digitap is taking a more direct approach to reinventing banking features for everyday users. Digitap’s fintech bank app is live on iOS and Android devices (and via a web browser) and lets users send, receive, store, save, swap, and invest in both fiat and crypto

The platform combines traditional banking features, such as money transfers and a prepaid Visa card, with cryptocurrency tools. Leveraging the strengths of crypto and fiat on a single platform enables Digitap to undercut global remittance companies.

Notably, money remitters charge an average of 6.2% per transaction, but Digitap’s cross-border payments solution powers the same transfer for less than 1%.

Digitap also offers a no-KYC option for basic features, lowering the barriers to onboarding for anyone worldwide. There are more than 1 billion adults worldwide without access to any banking features, many of whom live in countries where access to identification is impossible. These people can now join the global financial community and invest in their future or financially help friends and family.

Source: Digitap

Digitap Presale Gains Show Demand for Banking-Focused Crypto

By merging the flexibility of crypto with traditional banking tools, Digitap aims to solve problems that both traditional banks and crypto platforms struggle with. Notably, banks are slow, and money remitters prey on people who need access to money the most with excessive fees.

This narrative is gaining a lot of traction among investors looking for the top altcoin to buy within the banking sector. Digitap’s crypto presale of its native $TAP token managed to raise more than $2 million despite the broader crypto market selloff. This fundraising milestone reflects clear investor enthusiasm amid what could be the start of a crypto winter.

$TAP was first offered for sale at $0.0125 in late summer as part of a presale that sees the price increase in rounds. Since then, it has gradually increased to $0.0344, giving early investors a more than 160% paper profit.

Even at $0.0344, $TAP still trades at a notable discount compared to its expected exchange launch price of $0.14. That implies a sizable potential upside by listing time, effectively buying $TAP at a major discount compared to the intended launch price.

In addition, Digitap’s token is a top altcoin to buy because it is built for value accretion. It has a fixed supply of 2 billion tokens, and the project commits half of all platform profits to buy back and burn $TAP tokens. This built-in deflationary mechanism is one of the major reasons why crypto degenerates see $TAP as the top crypto to buy before it lists on exchanges.

XRP Price Stalls Below $2.10 as Traders Lose Conviction

XRP has staged a nice rebound from below the $2.1 level, but it failed to pick up enough momentum to break above the $2.18–$2.20 resistance zone. Absent any groundbreaking development or signs of a huge new adoption wave, XRP is likely to continue trading in a range.

Buyers have shown a willingness to pick up XRP below $2.1, so the token could be range-bound between $1.80 and $2.18 for the near term.

Meanwhile, underlying metrics aren’t overly supportive of XRP to be included in the list of top altcoins to buy. Futures open interest has plunged from around $8.5 billion to $3.8 billion, implying speculative appetite for XRP has diminished sharply. A drop of this magnitude in open interest is a classic sign of cooling trader enthusiasm and a lack of conviction in near-term upside potential.

On-chain activity for XRP remains stagnant, as transaction volumes are showing no meaningful growth. This stagnation, coupled with XRP’s long-standing major complaint of a large circulating supply and limited token utility, essentially places a ceiling on its short-term outlook.

Source: @RobertRicciETH

XRP Plateaus as Digitap Emerges as a Banking-Focused Rival

XRP’s struggle to advance past the $2.18–$2.20 level is a sign that it is unlikely to deliver near-term gains to investors. In fact, the era of exponential growth, dating back more than 10 years, is a thing of the past. XRP has delivered a lifetime return of more than 35,000%, but it is now struggling to gain just 3.5%.

Digitap, by contrast, represents the dynamic potential of a new altcoin in its infancy. Its successful crypto presale and ambitious fintech app have already convinced many banking degenerates that it could be one of the best altcoins to buy before a major exchange listing.

The market’s appetite is indeed prioritizing projects that are easy to understand and can actually be used in the real world. Digitap squarely fits that bill with its live bank app, a Visa card, and a total addressable market that is measured in the billions of people.

Discover how Digitap is unifying cash and crypto by checking out their 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 

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The post XRP Stalls at $2.03 While Digitap ($TAP) Raises $2 Million in Its Early Rounds — Banking Degens Call It the Best Crypto to Buy Before Listings appeared first on Coindoo.

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Filed under: Bitcoin - @ December 5, 2025 6:05 pm