Bitcoin (BTC) reclaimed the $110,000 level and Ethereum (ETH) is trading above $4,000, but Ripple (XRP) has tried and failed on several occasions to clear $2.50.

The crypto market is showing clear signs of recovering from the Oct. 10 crash, yet each time XRP shows some buying momentum, investors rush for the exit.

The easy money in XRP has already been made, and recent business decisions aren’t playing well among the die-hard community. Large whale-selling activity shows investors are calling it quits and moving their money elsewhere. One beneficiary is Digitap ($TAP), the world’s first “omni-bank” financial platform.

Digitap Blends Banking and Crypto With a Live Visa Card

While some XRP investors are waiting for the token to reclaim old highs, a new contender is making waves in the crypto-finance arena. Digitap’s financial platform blends traditional banking with crypto in a single service.

Users can deposit, withdraw, send, and exchange between crypto and local currencies seamlessly. They can also spend their funds through a Visa-powered card in both physical and virtual form.

This means a user can hold USD, Bitcoin, and Ethereum in one account and swipe their Digitap Visa card to pay. The app automatically converts user assets as needed at the point of sale, making crypto spendable like cash worldwide.

Source: Digitap

What $38.8M Cap and 2B Supply Mean for $TAP’s Upside

Digitap is conducting a multi-stage token presale. In the ongoing second stage, the native $TAP token is priced at $0.0194, with the next stage set to increase by 38% to $0.0268. The stage is nearly 50% sold out, and if recent momentum is sustained, the third round could arrive within days.

USE THE CODE “DIGITAP15” FOR 15% OFF FIRST-TIME PURCHASES

Traders and investors are rotating away from XRP and other tokens into Digitap’s presale, likely attracted by its mix of a working product and growth potential. It is unusual for an early-stage token to have a live product; Digitap’s banking app is available on iOS, Android, and web.

This means investors can test the app before investing. They can open an account within minutes, transfer a very small amount (e.g., $3) to fund their wallet, and see for themselves whether Digitap is worthy of being considered one of the best ICO presales.

Since Digitap is starting at a small market cap and is only now attracting attention from whales, the prospects for outsized returns are mathematically feasible. XRP trades at a market cap of around $150 billion, implying a 10x gain would value it at $1.5 trillion, which seems unrealistic.

A Massive TAM and No-KYC Could Speed $TAP’s Adoption

By contrast, Digitap’s market capitalization (based on a fixed supply of 2 billion tokens) is around $38.8 million. A 10x gain would value it at $388 million, which would rank it within the top 150 cryptos by market cap.

Digitap also offers an optional no-KYC signup process, meaning users can register with minimal identity checks. This is a smart move as the World Bank notes there are around 850 million people without an official ID and at least 3.3 billion who don’t have access to a government-recognized digital identity to transact online.

This means Digitap’s total addressable market is in the hundreds of millions, if not billions, worldwide. Digitap would need to capture only a fraction of a percent of this market to justify a 10x gain. Meaningful market penetration could result in a much larger gain, potentially 50x or more.

Ripple’s Pivot and Whale Flows Keep $2.50 Out of Reach

Ripple’s recent moves suggest it is pivoting away from its core strategy. Specifically, the $1 billion acquisition of GTreasury, a corporate treasury management firm, has some investors questioning whether Ripple is reevaluating its main objectives.

Instead of focusing on cross-border payments or pushing XRP further into consumer finance, the acquisition hints at a shift toward software services for large institutions. Perhaps Ripple is focused on building around XRP, not on top of it.

Meanwhile, data shows that large investors (known as whales) are selling XRP in large numbers. On Oct. 17, on-chain tracking platform Whale Alert discovered multiple XRP transfers worth hundreds of millions of dollars. While it can’t be conclusive, the transfers appear to be the first stage of a major attempt to sell tokens, continuing a prior trend over the past few weeks of major whale selling activity.

Source: @whale_alert

Why $TAP Leads Banking Tokens as XRP Struggles at $2.50

XRP and Digitap represent two very different stages and strategies in the crypto market. XRP, a legacy crypto player, is focusing on strategic pivots to support growth while investors aren’t interested in buying near $2.50.

Digitap, on the other hand, is one of the few crypto presales with real utility. It is leveraging product innovation to solve everyday financial problems to capture both investor interest and user adoption.

This helps explain why XRP is fighting to reclaim old hurdles, while Digitap is being hailed as the best banking token of the year.

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