Most veteran crypto investors remember when Ripple’s XRP traded around $0.15. In fact, XRP’s price traded this low in mid-2020, only to soar and hit an all-time high of $3.40 in early 2025.
Investors who sat on the sidelines and watched XRP skyrocket are waiting for the same opportunity to present itself. Digitap ($TAP), the maker of the world’s first “omni-bank,” is emerging as a compelling opportunity in the market.
Like XRP in its infancy, Digitap is a top crypto to buy as it is just starting its low journey. It offers investors a low entry price with massive upside potential if its vision plays out.
Source: Digitap
Why Digitap’s Live Bank App Feels Like XRP’s Early Days
What makes Digitap a unique opportunity is its strong fundamentals. The platform has a working product and growing user base, signaling real utility, a trait the majority of early-stage coins lack.
Digitap’s bank app is available worldwide and lets users receive, send, store, save, and invest both fiat and crypto seamlessly. Key features include dozens foreign exchange accounts, high-yield savings accounts, global money transfers, and a crypto wallet for more than 100 cryptocurrencies.
A recent partnership with Visa went live and offers all users a debit card powered by the Visa network. Users can even spend crypto from their Digitap account via the Visa card. At the time of the transaction, Digitap’s AI-powered software swaps the required amount of crypto for fiat to complete the purchase.
Digitap’s live partnership with Visa helps validate its status as a leading altcoin to buy. Visa is extremely selective in who it partners with, as its reputation and brand image are at stake. Digitap’s forward-thinking “omni-bank” has earned Visa’s trust, and whales are starting to take note.
Source: Digitap
How $TAP’s $87M Valuation Echoes XRP’s Ground-Floor Era
With a fixed supply of 2 billion $TAP, Digitap’s implied valuation stands at roughly $87 million. This means Digitap is a leading altcoin to buy if the project succeeds in scaling its business worldwide. The precedent has already been set for major price expansion. XRP itself multiplied roughly 20x in value from $0.15 and substantially more from its all-time low of $0.002686.
Digitap at a few cents offers the kind of ground-floor entry point that XRP once offered. Aside from a strong business model and global demand for innovative banking solutions, Digitap has other paths to increase in value.
Specifically, the platform plans to allocate 50% of its profits toward token buybacks, burns, and funding stakers. This means each transaction contributes to a shrinking token supply. This model is scalable, and if the project grows, the pace of token burns could accelerate and support price appreciation.
XRP’s 30,000% Lifetime Gains Are Largely Locked In
XRP’s biggest gains are effectively locked in. The market has already repriced it from a low-confidence asset in its early days at $0.15 to a mature large-cap token. Despite trading meaningfully below its all-time high of $3.40, the token is still up more than 30,000% over its lifetime.
XRP is also a top-five crypto by market cap, currently worth around $117 billion. It ranks as a top-200 global asset, meaning expectations for another major move higher are not grounded in reality.
A 20x move from $0.15 was possible because XRP’s market value was small and it was an unknown project. At today’s valuation, a similar move would require an extraordinary influx of capital and a new global narrative large enough to justify it.
Essentially, XRP no longer ranks as the best crypto to buy for asymmetrical returns. Its core value proposition of fast and low-cost settlement for payments is widely understood and already reflected in market expectations.
Source: Digitap
Digitap’s Early Profile Backs Its Role As Best Crypto To Buy
XRP has evolved from a relatively unknown project into one of the crypto industry’s largest players. While bulls and bears will continue to debate its future outlook, the project deserves credit for being an early innovator and reshaping how institutions think about moving money faster and cheaper.
Digitap mirrors a similar early-stage profile, making it an undervalued altcoin to buy. Armed with a live global banking app, it is on a mission to move money better, faster, and cheaper, but at the consumer level.
An optional no-KYC signup process enables Digitap to target users worldwide. There are hundreds of millions of adults without access to banking services, and Digitap could play a meaningful role in expanding global financial inclusion.
This is not to suggest that Digitap will one day reach a valuation north of $100 billion like XRP. Rather, it presents a compelling case study of how markets will reward innovative startups that deliver real-world utility.
