The altcoin market snapped in early October and has yet to recover. XRP knifed under $2.35 and BNB surrendered below $1,100. The deleveraging event cleared froth and rewired investor mentality, so now only products driving real adoption are catching a bid.
Investors are sprinting toward Digitap ($TAP) —the omni-banking layer that makes crypto part of the real economy. A live Visa card, Apple Pay, and Google Pay integrations, and a routing engine that picks the cheapest rail in real time. That is why early capital continues to crown $TAP as the number one banking play for 2025.
Here’s what investors need to know.
XRP Faces New Ceiling and Further Downside
XRP has performed fantastically this cycle for anyone who bought in October last year or before. The mission to modernize cross-border transfers was electric, sending XRP to a $140 billion valuation. But buyers beware at these levels, XRP has entered a prolonged bearish trend, and until it forms a bottom, buyers are catching a falling knife.
Rallies are fading faster with top buyers selling into them. Stablecoins continue to eat up the cross-border payments narrative, and stablecoin-centric networks are compounding headwinds to XRP’s original promise. Even the expectation of a Spot ETF could not lift spirits or price.
Institutions are the main buyers of ETF products, and XRP holders shouldn’t hold their breath. Traditional investors will take one look at XRP’s actual volumes and the current valuation, then search for greener pastures.
BNB: CZ Faces Fallout
The chart is a grim reality for BNB bulls—a bearish engulfing candle after a parabolic move upwards. Upside is limited, whereas the next support level, if BNB doesn’t hold its current level, is way below $900.
Compounding these issues is the central role Binance played in the October flash crash, and CZ offering traders $400 million in compensation has been viewed as an admission of guilt.
BNB’s maturity has compressed upside potential, and while BNB remains undoubtedly a blue chip, the risk-to-reward at these levels heavily favors shorts.
Digitap’s Omni-Bank Services
Digitap looks like a neobank and works like an interoperability layer between traditional finance and crypto. It is bridging the two worlds, explaining why it is being called a top crypto to buy now and the number one banking play in 2025.
Balances in fiat, stablecoins, and crypto sit on one ledger. This is what money looks like in the 21st century, and Digitap is aiming to disrupt several trillion-dollar industries simultaneously, starting with cross-border payments.
Digitap aligns with the stablecoin narrative and can add new rails as they launch, so corridors expand while users continue to enjoy the same interface. This omni-bank updates the plumbing in the background. And that is how this consumer product is staying ahead of its competition.
Crypto Innovation Under Trump
Under the crypto-friendly Trump admin, the direction of travel is clear. Bring digital assets into regulated channels, build value, innovate, and leave memecoins in 2024. At the same time, the number of mobile banking users keeps increasing.
Billions already manage money from a phone; the next billion users will expect borderless balances that behave the same way in every country. Stablecoins make this a reality, and Digitap is providing the front end for this transition.
Disruptors are back on the menu in 2025, and $TAP’s current price of $0.0194 looks like it could easily net early buyers 20X returns in the coming months. Not to mention the 38% gains when $TAP advances to the next round and the price increases to $0.0268 in the coming days.
Why $TAP Leads the Banking Race in 2025
The number one banking play involves lots of angles. A distribution strategy, an improvement of current practices, and a token that directly accrues value as the project scales.
Digitap’s approach—neobank surface, interoperability at its core, 50% of platform profits used to buy $TAP, and an already working Visa card—means it ticks all the boxes. It is easy to see why people are naming Digitap the banking play to watch in 2025.
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
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