Cashback Visa Wars Heat Up, XRP At $1.88 Cools, Digitap ($TAP) Takes Best Crypto Presale 2026

XRP’s rally is losing steam. After briefly pushing higher, the token is now cooling around $1.88 as buying pressure fades and sellers regain control.

The slowdown reflects broader market caution, with traders becoming selective amid tighter liquidity and fewer high-conviction momentum plays.

Meanwhile, competition across crypto payments is heating up. Visa-linked cashback products are turning into a battleground, with platforms racing to win users through real-world spending incentives rather than speculative narratives. As major altcoins struggle to sustain gains, attention is shifting toward projects that blend utility with early-stage growth potential.

One project at the forefront is Digitap ($TAP). Positioned as a crypto banking and payments platform, Digitap is in its third presale stage at $0.0383 per token, having already raised over $2.8 million. With a live card-based payment product and growing adoption, $TAP is emerging as one of the best crypto presale opportunities heading into 2026.

XRP’s Downtrend Persists as Whales Rotate Capital Into Low-Cap Altcoins

On the daily timeframe, XRP continues to trade in a descending channel, characterized by lower lows and lower highs, a major signal of a sustained downtrend. Furthermore, short-term rallies have consistently been rejected near the upper boundary at $1.95, confirming bearish control.

Adding to this pressure, the Awesome Oscillator (AO) remains in negative territory. While it has printed green histogram bars indicating a brief slowdown in selling momentum, the strength is insufficient to trigger a bullish reversal.

Until AO flips decisively positive, XRP remains confined within the bearish structure. This overall trend suggests that whales are increasingly taking their profit and directing capital into low-cap gems.

A similar pattern appears in the Bull Bear Power (BBP) indicator, which remains in negative territory, with red histogram bars repeatedly printed, indicating that sellers dominate the market and buyers are struggling to gain traction.

XRP/USD Daily Chart. Source: TradingView

As buyers step back from XRP, capital isn’t idle. It’s rotating toward projects capable of delivering the kind of upside XRP once offered. As a result, investors are increasingly turning their focus toward $TAP. Several market watchers have flagged the token as one of the altcoins to watch this season, largely because of its utility-driven model.

Digitap: Bridging Crypto and Traditional Banking With Real-World Utility

Digitap’s broader mission is clear. The protocol identifies structural bottlenecks and systematically closes gaps by addressing persistent challenges in the cryptocurrency and blockchain ecosystem. Its solution centers on real-world utilities, including its Visa card functionality. In a world where spending crypto or digital assets remains difficult, Digitap unlocks the ability to use on-chain assets both online and in physical stores.

The Visa-enabled payment system also features an attractive cash-back program for Digitap users. When users make payments through the Digitap App, they can earn a percentage back on eligible fiat and crypto transactions in $TAP.

Beyond payments, Digitap’s multi-rail settlement infrastructure bridges traditional banking and blockchain networks, enabling users to move value seamlessly between on-chain assets and off-chain financial systems.

With support for both SEPA and SWIFT rails, users can convert crypto such as Bitcoin into bank-settled funds within seconds, significantly faster than traditional wire transfers. This interoperability removes one of the largest friction points in crypto adoption, which is the inability to exit or redeploy capital efficiently during volatile market conditions.

Omni-Banking and Utility Make $TAP a Top Altcoin Pick

Digitap gives users full control over their funds through a unified banking interface that consolidates crypto wallets, fiat balances, and global accounts into a single dashboard. This omni-banking structure allows seamless deposits, withdrawals, transfers, exchanges, and spending without relying on multiple platforms or intermediaries.

By combining instant settlement, flexible asset management, and privacy-focused account options, Digitap positions itself as a functional alternative to traditional banks rather than a speculative crypto product.

As stablecoins and digital payments gain adoption, this integrated infrastructure strengthens Digitap’s role as a practical financial layer built to operate efficiently in both bullish and risk-averse market conditions.

A glance at the presale metrics shows that $TAP is more than halfway through its presale round as it targets $0.0399 in the upcoming stage. According to the project’s roadmap, $TAP is set to list at a price as high as $0.14. Investors are banking on this steady progress, while analysts hint that it could be the best altcoin in 2026.

Investors Turn To $TAP for Best Presale Experience in 2026

With XRP cooling near $1.88 and technical signals flashing exhaustion, the market narrative is shifting from short-term price action to long-term utility. Investors are beginning to reallocate their funds into early-stage projects with the potential to outperform large-cap cryptocurrencies.

At the center of this charge is Digitap, the project that offers real-time utility, with more than 120,000 wallets connected to its live app. Currently, users have access to a range of use cases, including a Visa card, the multirail banking infrastructure that enables them to convert their digital assets into fiat, and a one-payment platform that integrates traditional and decentralized banking, among others.

Trading at $0.0383, $TAP is giving back to its users through its Christmas campaign, where investors and its loyal members get a discount on each token purchased and daily rewards every 12 hours.  With over 150 million tokens sold, whales continuously choose $TAP as the broader market weakens.

Join early investors and 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 

Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway

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