XRP Holds $2 While ETF Hype Cools – Digitap ($TAP) Banking Super-App Is The Best Crypto Presale 2026 For Payments

XRP is stalling at the $2 level as ETF excitement begins to cool, offering traders a pause after weeks of speculation. The SEC’s approval of a Bitwise ETF that includes XRP has provided market validation, but large caps as a whole remain overvalued and range-bound. 

In this environment, attention is drifting toward bank-focused crypto presales with early-stage potential. Digitap ($TAP) is increasingly part of that conversation, particularly among those comparing the best cryptos to buy during an extremely bearish market. 

Digitap is a live omni-bank that has already released its financial super-app on iOS and Android. With Visa-compatible card payments and flexible KYC access, it’s a perfect altcoin to buy as users seek alternatives to traditional banking. 

XRP Holds $2 As ETF Momentum Levels Off

The Bitwise approval helped solidify XRP’s legitimacy, but it also shifted sentiment from anticipation to evaluation. Traders are now watching whether real demand can follow regulatory progress, rather than relying on headlines alone. XRP holding at $2 reflects a market that has largely priced in ETF-related optimism, with no signs of a breakout. 

ETF products tend to stabilise assets more than they accelerate them. As a result, XRP’s price action has become calmer, holding between $2.0 and $2.10 for the past two weeks. For long-term holders, this can be reassuring, but it’s not ideal for traders seeking higher growth multipliers. 

This cooling phase often encourages rotation. Investors who already hold XRP are less inclined to add aggressively at these levels and are instead exploring other opportunities. That’s why attention is drifting toward altcoins to buy that can benefit from adoption curves rather than regulatory milestones already reflected in price.

Moreover, XRP is moving away from the payments space to areas including crypto assets, prime brokerage, and corporate treasury solutions. It is less focused on the retail payments industry and more on institutions and corporations. This paves the way for alternative banking apps to fill the void. 

Why Digitap Is Emerging As A Banking Super-App

Digitap positions itself very differently from legacy payment tokens. It operates as a live banking super-app where users can hold crypto and fiat, make transfers, swap assets, and pay with a Visa-compatible card. This practical approach appeals to users who want functionality rather than hype, with a single account bridging crypto and fiat banking. 

The platform is already operational, which is a key distinction in the crypto presale space. Users can download the app, test features, and understand the product before committing capital. That real-world usability is why Digitap is frequently cited when discussing the best cryptos to buy. 

Users can select a KYC tier that reflects their preferences and set up their account in minutes. This immediate access without bureaucratic friction is very appealing to remote workers, digital nomads, expats, and the globally unbanked population, who want control over their finances. 24/7 stealth mode and private transactions provide additional security. 

Digitap further links platform activity to token mechanics through a 50% platform profit redistribution, with 124% staking APY. Users can earn cashback when they spend at terminals worldwide. This creates a direct connection between usage and value, rather than relying on constant new narratives.

Digitap’s Christmas Sale Adds Seasonal Momentum

Digitap’s 12 Days of Christmas holiday drop is now live, introducing a festive rhythm to the presale. Every 12 hours, new rewards unlock, including account upgrades, token bonuses, and limited-time perks. This advent-style format keeps engagement high and encourages regular participation.

The timing matters. While much of the market remains cautious, the Christmas campaign provides a positive catalyst driven by community activity rather than price speculation. It reinforces Digitap’s position as a crypto presale that continues to move forward even when broader sentiment is mixed.

With nearly 150M tokens sold and the next pricing step approaching, the campaign adds urgency without relying on hype. For those researching altcoins to buy, the holiday sale highlights a project combining momentum, structure, and real product delivery. 

Large-cap tokens like XRP cannot offer these rewards to users, and Digitap further benefits from a severely reduced entry point. Currently priced at $0.0371, $TAP is trading at a 73% discount to its exchange listing price of $0.14. 

Best Payments-Focused Altcoins To Buy For 2026

As XRP settles into a more mature phase, its role looks defensive rather than explosive. The Digitap crypto presale, by contrast, is still in its build-and-adopt stage, where payment usage can translate directly into growth. And payments will be a big topic moving into 2026. 

The demand for simple, borderless payment tools continues to grow, especially among freelancers, remote workers, and users underserved by traditional banking. Digitap’s model targets that demand directly, which is why many now view it as the best crypto to buy. 

Established networks like XRP offer stability, while emerging platforms like Digitap offer expansion potential. For those refining their list of altcoins to buy, Digitap stands out as a project aligned with how people actually move and spend money, not just how markets trade.

Discover the future of crypto cards with Digitap by checking out their live Visa card project here:

Presale https://presale.digitap.app  

Website: https://digitap.app 

Social: https://linktr.ee/digitap.app

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