Analysts Say Digitap Could Outperform XRP and XLM in 2025 Crypto Banking Boom

Crypto is entering a decisive stage. Bitcoin has reclaimed key levels, Ethereum is eyeing $5,000, and altcoins are lining up for what could be their strongest quarter of the year.

Among the names being discussed, DigiTap could be a serious contender, with the presale for its native token, $TAP, already raising nearly $100,000 in just 24 hours.

DigiTap vs. XRP and XLM

For years, XRP and Stellar (XLM) have been recognized as leaders in cross-border payments. Both built reputations on fast and inexpensive transfers compared to the outdated SWIFT system. Ripple focused on institutional partnerships with banks, while Stellar leaned toward financial inclusion and remittances.

DigiTap is stepping into this same space but taking the concept further. Instead of focusing only on cross-border transfers, it is building a full omni-banking ecosystem where crypto and fiat sit under one roof

This means multi-currency accounts, instant exchange between fiat and crypto, and payment cards that work worldwide. XRP and XLM provide the rails for moving value, but DigiTap wants to provide the entire banking experience.

This broader vision positions DigiTap as a competitor not only to blockchain projects but also to modern fintech apps. If XRP and XLM were designed to challenge SWIFT, DigiTap is designed to challenge both SWIFT and Revolut.

Phase 1 Completed, Presale Underway

DigiTap’s first roadmap phase has already been delivered. The team built and tested the core platform and released both desktop and mobile apps in beta. This gave early users a chance to trial the system before the token launch.

The project is now in Phase 2, which is centered on the $TAP presale. The token launched at $0.0125, with the next price stage already set at $0.0159. Strong demand has been visible from the start, with close to $100,000 raised in the first 24 hours.

Why DigiTap’s Model Is Different

The most important distinction is DigiTap’s all-in-one approach.

XRP and XLM are specialized in settlement.

DigiTap combines settlement with multi-currency banking, spending cards, offshore account options, and a loyalty system tied to its $TAP token.

This creates a stronger everyday use case. DigiTap is not only for institutions or remittances but also for individuals, freelancers, and businesses managing both fiat and digital assets on a daily basis.

Another strength is the loyalty and rewards ecosystem tied to the $TAP token. Users who hold or stake $TAP unlock higher levels of cashback, fee discounts, and VIP benefits

So, $TAP functions as a rewards layer across all of DigiTap’s services. XRP and XLM do not provide this kind of built-in user incentive structure.

DigiTap also places strong emphasis on privacy and security, with offshore account options, encrypted wallets, and compliance tools built directly into the app. Instead of relying on multiple providers, DigiTap creates one secure platform where both compliance and confidentiality are prioritized.

Tokenomics of $TAP

The $TAP token is capped at 2 billion with no hidden mints or transaction taxes. Allocation is community-heavy:

44% to the presale

13% for marketing

12% for giveaways and rewards

10% for exchange liquidity

9% for staking rewards

7% for treasury

4% for development

1% for the team, locked for five years

This structure limits the team’s share and signals long-term alignment. It also builds confidence that the token is designed for sustainable growth rather than short-term profit.

Presale and Staking

The presale is structured in stages, with the price rising at each step. Early participation offers the best entry before exchange listings. Distribution is straightforward, with tokens claimable 72 hours after launch.

Staking is already active. Early TAP holders can lock tokens and earn high annual yields, with some pools offering over 100% APR in the first stage. Rewards come from a fixed pool, avoiding inflation and linking long-term value to real platform use.

Why Analysts See Potential

To be clear, the comparison to XRP and XLM is not accidental. DigiTap is entering the same payments space but offering more complete functionality. With a working product, deflationary token model, and strong presale start, analysts argue it could carve out a bigger role in the omni-banking boom expected in the next market cycle.

The global digital banking market is projected to surpass $33 trillion by 2030. If DigiTap captures even a fraction of that with its combined fiat–crypto model, $TAP could see stronger adoption than tokens focused only on transfers.

Learn more about Digitap ($TAP) here:

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