BNB is up ~10% this week, while XRP has climbed ~4%, reflecting interest in both tokens. Their gains show that confidence is returning to the market, but it doesn’t necessarily influence where larger traders allocate capital.

Whale wallets typically look beyond weekly moves, focusing instead on utility, access, and long-term demand.

This is where the Digitap ($TAP) crypto presale has entered the conversation as the best crypto to buy. The live omni-bank aims to replicate the previous returns of altcoins like BNB and XRP, with a new fintech model that merges crypto and fiat into a single account.

With a $2.3M raise in just three months, it has become a preferred target among high-volume traders looking for early-stage altcoins to buy with strong growth profiles.

BNB had risen 10%, XRP had gained 4%, but whales once again prioritized utility over price

Last night, BNB had posted a weekly 10% increase driven by higher exchange activity, while XRP had climbed about 4% in line with consistent network usage. These were healthy moves, but they did not automatically attract new capital from large traders. Many whales viewed gains below 10% as noise rather than meaningful investment signals, since short-term price increases rarely offered strong entry points.

However, the price has already fallen since then.

Instead, high-volume market participants analyse whether a project offers a real function that can scale over time. Relying on momentum alone becomes less appealing once an asset has already shown maturity, and large investors prefer altcoins to buy when practical adoption drives token demand. This is why platforms with embedded user activity often receive attention, even when major assets are performing well.

Both BNB and XRP can also be considered maxed out in terms of their upside potential. The best-case scenario for each could be a 2x in 2026, ~$4 for XRP, and ~$1,600 for BNB. Both of these coins have already seen significant multipliers and are likely to need time to consolidate.

Their utility has already been factored into their price. With early-stage fintech tokens, the utility has yet to be included in the price, making higher gains much more viable for those investors seeking top cryptos to buy today. 

Digitap Draws Whales: Functions As a Live Banking Product

Digitap continues to gain traction among larger buyers because it has already delivered a full banking product. Users can download the omni-bank, move funds instantly, swap assets, and spend through Visa-supported card services. No KYC is required, giving immediate access across markets where traditional banking tools restrict or block users.

Whales favour models like this because usage naturally creates token pressure. Digitap redistributes 50% of platform profits to $TAP holders and burns tokens through activity-driven mechanisms. As user demand rises, platform volume increases, which strengthens token activity.

For traders who manage scale, this combination of utility and reward structure offers a clearer growth path than relying only on market speculation. The presale’s current price at $0.0361 — moving next to $0.0371 — is also appealing because the steps are predictable. This allows structured entry without exposure to sudden volatility spikes that large wallets typically avoid.

Why Whales View $TAP As Long-Term Growth Asset

Large traders often target projects with clear value routes. Digitap offers spending tools, stablecoin support, IBANs, invoicing, savings products, and full banking functions inside an application already live on iOS and Android.

This real-world positioning reduces long-term risk because adoption does not depend on market cycles. A single account offers full user control across fiat and crypto services.

This gives users an immediate way to spend, transfer, and manage funds without changing platforms. The model appeals to whales who want practical usage, not speculative hype, and who recognise that real-world demand often drives the strongest long-term price performance.

The product also arrives during a time period where account closures are rising from traditional bank providers, with no existing solution for displaced individuals.

For whales, this utility separates Digitap from many early-stage projects. They prefer assets that can integrate into daily financial activity and offer a direct link between user behaviour and token performance. Digitap’s model meets these requirements, giving large investors a practical framework for potential multi-fold growth.

Digitap Crypto Presale Stands Out As High-Growth Utility Coin

BNB and XRP posted healthy weekly gains, but those movements play little role in where whales deploy fresh capital. In terms of altcoins to buy with high growth potential, smart money investors are looking elsewhere – high-volume traders want tangible usage, structured token mechanics, and early-stage pricing that can scale with adoption.

The Digitap crypto presale offers this mix in a single, functioning product. With its omni-bank already active, clear profit-sharing structure, and global accessibility, it stands out as one of the strongest utility projects available today. It’s a leading candidate for smart money investors seeking the best crypto to buy, with 100x growth potential.