Frustration is mounting within the XRP community. After a strong run over the past year, XRP delivered a nearly 350% return. However, Ripple’s XRP token is stalling in the $2.75–$2.85 range. Multiple attempts to break above the psychological $3 barrier have failed, and investors are questioning whether this marks the peak price for XRP.
Many faithful long-term XRP holders who stuck with the project through the long SEC battle are now losing patience as their investment has failed to increase in value. Technical analysis points to a difficult road ahead, while XRP balances on exchanges are rising, pointing to a potential major selling event ahead.
Instead, many XRP holders are shifting money away from XRP and into a new startup in the payments arena, Digitap ($TAP), considered to be the first omni-bank. Unlike XRP, which has failed to progress toward its goal of becoming a mainstream retail payments rail, Digitap is a direct-to-consumer crypto project that focuses on everyday users.
The case for owning XRP is not as strong as it was a few months ago. Ripple’s main focus on institutional partnerships has not shown much progression, so there is no reason to buy XRP now. Instead, investors are ignoring its main goal and focusing on external catalysts to boost the price higher. Unfortunately for XRP investors, it is not working.
Best case, investors seem to be pricing in recent headlines of a pending ETF approval in October. Worst case, investors are bracing for a sell-the-news event as the SEC is set to decide on 16 crypto ETFs, including an XRP one.
Meanwhile, many experts are mixed on XRP’s chart outlook. However, most agree that XRP is not flashing clear buying signs. According to one expert, XRP’s price near $2.79 is trading at a “make-or-break zone.” It is showing “bearish pressure” based on several technical indicators; notably, the Relative Strength Index (RSI) suggests “room for further downside.”
Source: @__CryptoSteve
Digitap is an emerging crypto newcomer that is gaining traction as a high-upside alternative to XRP’s stalling price. Digitap brands itself as the world’s first omni-bank, a platform that combines fiat banking features with crypto offerings in one app.
In contrast to XRP’s profile as a behind-the-scenes utility for financial institutions, Digitap is a direct-to-consumer app with a working product. Its focus on everyday users is solidified through its Visa-branded card, which is accepted anywhere Visa is accepted, meaning users can now spend crypto in millions of stores globally.
Digitap’s approach is loosely based on XRP’s cross-border payments domain. Still, it takes it a step further by making it accessible to everyone worldwide with an optional no-KYC signup process.
Digitap can provide fast and secure fiat and crypto transfers for every user. This means that more than one billion unbanked adults worldwide can gain immediate access to the global financial system. It also means that the hundreds of millions of people who transfer money to friends and family overseas can now do so at a rate that is 90% cheaper.
This retail-focused adoption strategy is showing promising signs of success. Digitap’s presale process is progressing fast, currently priced at $0.0125 and set to increase soon to $0.0159. The project has sold around 50% of its fundraising goal, meaning the major catalyst of a large price increase as Digitap lists on a DEX or CEX is imminent.
XRP’s inability to break above the $3 mark and its struggle near $2.79 is consistent with a view of general frustration. Investors likely realized that crypto projects offering real-time utility are better suited than those that offer future promise.
Digitap offers immediate, direct utility through its banking app, complemented by a Visa-branded card. This tangible usefulness should drive faster organic growth compared with a behind-the-scenes project like XRP. In fact, Digitap users can tap to pay for grocery purchases or online subscriptions right now, something XRP cannot offer its holders directly.
Real usage also translates to a stronger community and demand for the token powering the ecosystem.
Meanwhile, Digitap’s fixed supply of just 2 billion tokens is a small fraction of XRP’s 100 billion maximum supply. Digitap has stated that half of the revenue generated from its platform will be used to buy back and burn tokens, making it deflationary. Early investors can also take advantage of a generous 124% APY for staking its token, making it one of the best ways to earn passive income with cryptocurrency in 2025.
Source: Digitap
Finally, Digitap’s presale stage means the token has a tiny market cap, on the order of just a few million dollars. This means it can theoretically gain 50x or even 100x and still be the size of a mid-tier crypto project. By contrast, XRP’s market cap of around $173 billion has minimal room to move higher. It is already trading around the same size as stablecoin giant Tether, lagging behind Ethereum and Bitcoin.
Bottom line, Digitap offers what many XRP holders wish for: a crypto that directly powers everyday finance with the potential to deliver outsized returns.
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
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