Investors Explore XRP and New Blockchain Payment Platforms Including Digitap ($TAP)

Crypto's role in cross-border payments has increasingly taken different paths. XRP is commonly associated with institutional use cases, including bank-led payment networks, exchange-traded products, and centralized settlement frameworks. Digitap ($TAP), by contrast, is positioned as a consumer-focused crypto banking application designed to facilitate faster and lower-cost international transfers without relying exclusively on traditional banking infrastructure.

These differing approaches have coincided with contrasting market developments. XRP has experienced heightened volatility amid broader market activity, including ETF-related flows and derivatives repositioning. Meanwhile, the Digitap presale has attracted participant interest over time, with token pricing reflecting incremental increases from its initial offering level.

XRP Slips as ETF Outflows and Liquidations Build

XRP's recent decline has been driven by several overlapping factors. On January 30, spot XRP ETFs recorded $92.9 million in net outflows, the largest single-day withdrawal since these products launched in 2025. Franklin Templeton's XRPZ fund alone accounted for $40.8 million of that figure.

ETF flows matter more for XRP than for many other altcoins. Institutional demand has been a key part of its liquidity narrative, and sustained outflows signal a more cautious stance from large allocators. 

Technically, XRP broke below the $1.80 support zone and briefly dipped toward $1.71, a level now acting as near-term support. If that area fails to hold, the next major downside target sits closer to $1.60, implying another 8–10% drawdown. For any meaningful recovery, XRP likely needs ETF inflows to stabilize and Bitcoin to hold above the low $80,000s.

Institutional Payments vs Everyday Banking in Crypto

As an institutional payments project, XRP performance is increasingly tied to macro conditions, regulatory sentiment, and large capital flows. When institutions pull back, price action can deteriorate quickly, regardless of long-term fundamentals.

Digitap approaches the same payments problem from a different angle. Instead of focusing on banks and financial institutions, its platform is built for individual users, freelancers, and businesses that regularly move money across borders.

Notably, the team has already released fully functional iOS and Android mobile apps and KYC-free Visa cards, offering crypto and fiat spending, instant card access, and unlimited card creation.

Digitap Adds Solana Deposits Ahead of Listing

Digitap is currently in a crypto presale, but development has not slowed. Following direct community feedback, the project recently enabled Solana network deposits, allowing users to fund accounts using SOL, USDC, and USDT on Solana, alongside existing Polygon options.

The team has also confirmed that Ethereum and Bitcoin integrations are already in development, positioning Solana as the first step in a broader multi-chain rollout rather than a one-off addition.

Presale Stages Are Filling as $TAP Price Steps Higher

Digitap's presale pricing tells a clear story. The token launched at $0.0125 and is now trading at $0.0454, putting early participants up roughly 263% already. The next price increase to $0.0467 is scheduled in two days, and stages have been filling faster as visibility grows.

With a confirmed launch price of $0.14, investors entering at the current level are still looking at a potential upside of around 208% to listing. The key difference now is timing. Prices are stepping up every few days, more than 206 million tokens have already been sold, and $4.7 million+ has been raised. 

Why Some Investors Are Moving Early on Digitap

XRP remains a well established participant in the crypto payments space, though recent trading activity highlights its sensitivity to institutional positioning and broader market conditions. Short-term price movements in XRP often reflect factors such as liquidity shifts, exchange-traded product flows, and derivatives activity rather than changes in underlying payment usage alone.

Digitap, as an early stage presale project, is operating in a different phase of development and is not yet subject to the same day-to-day market dynamics as more established payment tokens. Its focus is on building consumer-oriented crypto banking functionality, including cross-border payment use cases, with development progress and network expansion occurring independently of secondary-market trading.

Whether interest in projects like Digitap increases over time will depend on execution, product adoption, and regulatory considerations. For now, the contrast between an established, institutionally influenced payment token and an emerging consumer-focused banking platform illustrates the range of approaches currently being explored within the crypto payments ecosystem.

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