Ripple’s XRP token recently reclaimed the $2 level, prompting many in its faithful community to believe the $3 level is within reach. The problem with XRP is its extreme volatility in annual returns, ranging from an 81% decline in 2018 to a 306% increase in 2021.
XRP is also a top-five crypto by market cap, currently valued at nearly $135 billion. This places it within the top 200 most valuable assets worldwide. As such, incremental gains are always difficult, as they require billions of dollars’ worth of new investor demand.
By contrast, crypto presale projects offer investors an entry at a rock-bottom valuation. Digitap ($TAP), the world’s first “omni-bank,” is one name floating around as a top altcoin to buy. Digitap is operating in a category of its own, as its fintech app blends traditional financial services with crypto.
Source: Digitap
Digitap targets remitters and the unbanked worldwide
Digitap’s fintech banking app is live on iOS and Android devices and through a web browser. It is available to users worldwide and lets users manage day-to-day and long-term banking and crypto needs.
Key features include offshore IBAN multi-currency fiat accounts, global money transfers that undercut money remitters by up to 4 percentage points, and a crypto wallet that supports more than 100 digital tokens.
A recent major win for Digitap users is the addition of a Visa-powered debit card. Users can preload their Visa card with fiat or crypto and spend it anywhere Visa cards are normally accepted. This means crypto is spendable in real life, as the app automatically swaps crypto for fiat at the time of the transaction.
What makes Digitap a strong contender as the best crypto to buy is the massive addressable market it looks to serve. An optional no-KYC signup process provides basic features to roughly 800 million people worldwide who lack official proof of identity. Meanwhile, another 800 million people worldwide rely on global remittances, implying Digitap’s addressable market is measured in the billions.
Source: Digitap
Why $TAP’s fixed supply and buybacks favour long-term holders
Digitap’s crypto presale of its native $TAP recently surpassed the $3.6 million raised mark. This is an important milestone for a project raising funds during the peak of the market selloff that started in late 2025.
$TAP quickly became a top altcoin to buy, as its presale structure is set in stages. The price of $TAP is scheduled to increase after each round is sold out or ends. Digitap’s token was first offered at $0.0125 in late summer and has gradually risen to $0.041.
This more than 200% paper profit gain acted as a lifeline for many investors. For example, a $30,000 diversified altcoin portfolio that fell 25% during the market downturn would have erased $7,500 in value. If just 5% of that portfolio had been allocated to $TAP at its early presale price, that position would have offset nearly half of the portfolio’s broader losses.
Beyond being a near-term crypto to buy as a hedge, Digitap’s token is built for long-term appreciation. With a fixed supply of 2 billion $TAP, the project is allocating 50% of the platform’s profit toward buying back and burning tokens and rewarding stakers.
How Digitap’s user math makes a $2 TAP target look realistic
Some analysts are modeling a $2 price target for $TAP, which at first seems unrealistic. The team recently confirmed that $TAP will graduate from a crypto presale to trade on crypto markets at an expected listing price of $0.14.
Indeed, a 1,300% gain from the expected listing price is justified based on existing data. Robinhood, a popular fintech trading app that offers some overlapping services, reported 26.8 million users while its stock trades just above $100 billion.
This implies the market values each Robinhood user at $3,940. For an early fintech startup project like Digitap, a conservative 50% discount of that value is appropriate. This means the market should value each Digitap user at $1,970.
Hitting $2 per $TAP means Digitap needs to onboard roughly 2 million users. This user base represents a small fraction of Robinhood’s users and an even smaller fraction of its total addressable market.
This analysis does not include the impact of a shrinking token supply and the market’s willingness to assign a higher value to each Digitap user. As such, Digitap is an undervalued crypto to buy, as its path to $2 seems conservative.
Source: @DigiTap_app
XRP’s $3 target needs more than legal wins and M&A
XRP’s already large market cap implies a surge to $3 requires heavy additional capital inflow and increasing market confidence. 2025 included many key wins and developments for XRP, including a major victory in its legal spat with the U.S. SEC and multiple acquisitions to expand its target market.
However, investor reaction was not favorable, with the token ending the year in the red. Macro factors were also at play, with XRP’s leadership status implying it is correlated to market sentiment, global interest rate decisions, geopolitical events, and other external factors.
Still, a path to $3 is realistic. It will require deepening utility and partnerships in the global financial system. If dozens of major banks or payment companies embrace XRP for cross-border transactions, the liquidity needs alone would push up XRP’s underlying value. At the same time, this catalyst is meaningless unless it is accompanied by additional regulatory clarity, as Ripple needs to convert partnerships into actual network activity.
Source: @MconCrypto
Digitap’s growth outlook backs its role as best crypto to buy
XRP’s path to $3 is feasible but will likely take longer and depends on factors outside of its control. Scenarios such as a major crypto bull run or a surge in user adoption make this price target possible, while a 2026 timeline remains unclear.
Digitap, on the other hand, is a crypto presale project in its very early stages of growth. This means Digitap needs only to meet current expectations to justify a path to $2 in 2026, making it a top crypto to buy.
The project plans to allocate part of its presale raise to embark on a global marketing campaign. As such, Digitap’s path to 2 million users, or a $2 $TAP token, is a reasonable and grounded outlook for 2026.
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Disclaimer: This is a paid post and should not be treated as news/advice.
Source: https://ambcrypto.com/best-crypto-to-buy-this-year-will-digitap-tap-hit-2-before-xrp-reaches-3-in-2026/
