XRP News Today: 1.4 Billion Unbanked Gain Access via Digitap's Crypto-Visa Platform

Digitap ($TAP), a blockchain-based omni-banking platform, has emerged as a leading contender in the crypto market, raising over $632,967 in its presale as of October 2025. The project, which combines traditional finance and decentralized systems, has attracted attention for its deflationary tokenomics, Visa card integration, and focus on cross-border payments. Analysts and market observers are highlighting its potential to disrupt the $250 trillion cross-border payments sector and its appeal to a market of 1.4 billion unbanked individuals Invezz^[1].

Digitap's core offering is a mobile app that unifies fiat and crypto into a single interface, enabling users to manage multiple currencies, send instant global payments, and access physical/virtual Visa cards. The platform's $TAP token powers transactions, staking rewards, and cashback incentives, with 50% of platform profits allocated to token burns and staker rewards. This deflationary model, combined with tiered presale pricing (currently $0.0125, set to rise to $0.0159), has driven early investor participation, with 88% of the first stage sold Techfinancials.co.za^[2].

Market analysis suggests Digitap's potential for exponential growth. The project targets a $290 trillion cross-border payments market by 2030, leveraging its multi-rail architecture to optimize transactions via blockchain or legacy systems. Token economists note that if Digitap captures even a fraction of this market, its ecosystem could reach multi-billion-dollar valuation. Some analysts project $TAP could rise to $10, citing a fixed supply of 2 billion tokens and a market cap math model where a $10 price tag would yield a $20 billion valuation-comparable to Ripple (XRP)'s $170 billion market cap despite a 100x higher token supply Coincentral.com^[3].

Digitap's competitive edge lies in its utility-first approach. Unlike speculative projects, it offers real-world use cases: low-fee remittances (under 1% compared to traditional 5–7%), instant global payments, and a no-KYC onboarding process. This differentiates it from rivals like Remittix, which focuses on crypto-to-fiat transfers but lacks Digitap's omni-banking ecosystem . The platform's staking program, offering up to 124% APR, further incentivizes long-term holding .

Despite its momentum, Digitap faces challenges. Regulatory scrutiny of crypto-banking hybrids and competition from established players like XRP and ADA remain risks. However, its live app, functional presale, and partnerships with Apple Pay/Google Pay give it a tangible edge over vaporware projects. Critics of competing tokens-such as BlockDAG (facing credibility issues due to a 1.5-year presale) and Magacoin Finance (struggling with fading political narratives)-highlight Digitap's execution over hype Coincentral.com^[3].

The omni-banking trend is gaining traction as global liquidity expands and central banks cut rates, fueling demand for crypto-linked financial tools. Digitap's alignment with this trend, coupled with its focus on utility and scalability, positions it as a strong candidate for breakout growth. As the presale progresses and the next price tier approaches, early investors are positioned to benefit from potential volatility and adoption-driven demand Invezz^[1].