For years, Ripple ($XRP) has dominated the narrative around blockchain-based payments and cross-border banking. However, that dominance is being challenged by a new type of banking protocol built for everyday users.

As XRP holders wait for a clean break above the $2.07 level, a growing share of retail capital is rotating elsewhere. Digitap ($TAP) is emerging as the primary beneficiary of this shift, pioneering an omnibank protocol that allows users perform any financial transaction on its app.

Rather than competing with Ripple on institutional rails, Digitap is attacking the problem Ripple never solved: making crypto function like real money for real people.

XRP remains one of the most established assets in crypto banking. Its role in cross-border settlements is proven, and its institutional partnerships give it long-term credibility. But from a price perspective, XRP has seen little growth in recent years.

The $2.07 level has become a hard ceiling. Each attempt to move above it has been met with heavy selling. This is not a sign of weakness in the project itself, but a reflection of market structure. Many long-term holders are using this zone to exit positions accumulated in earlier cycles.

XRP price chart. Source: Coingecko

At its current market size, XRP needs enormous capital inflows to move meaningfully higher. That makes fast growth difficult. While XRP may remain stable, it struggles to deliver strong returns in shorter time frames.

For investors focused on growth, this creates frustration. Capital tied up in an asset that moves sideways carries opportunity cost.

XRP is not alone in this position. Other banking-focused tokens such as Hedera ($HBAR) and Stellar ($XLM) face similar challenges. Both have solid technology and enterprise partnerships, but neither has captured meaningful daily usage from retail users.

These networks operate behind the scenes. They power transfers, settlements, and integrations, but they rarely interact directly with the end user. As a result, demand for their tokens depends largely on corporate adoption, which often proves to be slow.

In today’s market, that model is losing appeal. Investors are increasingly favoring platforms that generate activity directly from users, not just institutions. This shift in preference explains why capital is moving away from legacy banking tokens toward the best altcoins for consumer-first services.

Digitap enters the conversation with a fundamentally different approach. Instead of building rails for banks, it is building a bank for crypto users. The Digitap platform combines self-custody wallets, fiat access, and spending tools into a single ecosystem. Users can hold crypto, convert it, and spend it without leaving the app.

The standout feature is Digitap’s direct connection to global payment networks. Through Visa and Mastercard integrations, users can spend crypto-backed funds at millions of merchants worldwide. The conversion happens instantly at the point of payment, removing the need for exchanges or bank transfers.
This turns crypto from a stored asset into usable money. And that shift is what separates Digitap from XRP and its peers as the top crypto to buy now.

Digitap’s investment appeal is strengthened by its token design. Unlike many banking tokens that release supply over time, $TAP operates on a deflationary model. A portion of the platform’s revenue is used to repurchase and burn tokens. The revenue comes from actual usage, including transactions, card spending, and premium features within the app.

As activity increases, the circulating supply decreases. This creates steady pressure in the opposite direction of inflation. Instead of waiting for new buyers to push prices higher, the system automatically reduces selling pressure.
For investors comparing XRP and $TAP, the contrast is clear. XRP faces constant sell pressure at known resistance levels. Digitap actively removes supply as its user base grows, making it a considerable bet for the best crypto to invest in long term.

XRP remains a strong asset for stability and long-term exposure to institutional crypto banking. But in 2026, stability alone is no longer enough.

Digitap represents the next phase of banking tokens, built for customers’ daily use. Its Omni-Banking model turns crypto into something spendable, not just transferable.

For investors looking beyond the $2.07 XRP ceiling, Digitap stands out as the strongest banking play of the year. The crypto market is now backing the platforms that people actually use, and Digitap is leading that shift, positioning itself as the best crypto to buy now.

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