XRP News Today: Digitap's Real-World Utility Challenges XRP's Stalled Vision

Digitap ($TAP) has surged to prominence in the November 2025 cryptocurrency presale landscape, raising over $1.4 million and outpacing rivals like Bitcoin Hyper (HYPER) and Pepenode (PEPENODE), according to a Phemex report. The project, which offers an 80% discount to early investors, aims to merge crypto and fiat banking through a mobile app, Visa card, and multi-channel routing. While Bitcoin Hyper has raised $25 million but remains conceptual, and Pepenode has secured $2 million with minimal practical applications, Digitap's tangible product and deflationary tokenomics have fueled speculation of a 100x return if it secures major exchange listings by early 2026.

The project's rapid ascent has sparked a shift in investor sentiment, particularly among XRP holders, according to a FinanceFeeds article. Digitap's live omni-bank app, no-KYC payment cards, and instant fiat-crypto conversion capabilities position it as a direct competitor to XRP's stalled institutional-focused vision.

Unlike XRP, which relies on bank partnerships, Digitap prioritizes user empowerment, enabling real-world transactions through features like tap-to-pay cards integrated with Apple Pay and Google Pay. Analysts highlight that Digitap's token ($TAP) already has a defined utility—fueling staking pools, governance rights, and app discounts—unlike many speculative altcoins that lack immediate use cases.

Digitap's tokenomics further distinguish it from peers. With a fixed 2 billion token supply and a deflationary model that burns tokens from every transaction, $TAP's scarcity is mathematically enforced, according to a CoinPedia press release. The presale, which has sold 90 million tokens at $0.0268, is projected to reach $0.14 at launch—a 5x gain—before hitting $0.50–$1.00 in 2026. Long-term forecasts suggest $1.50–$2.00 by late 2026, a 50x–70x increase from current presale levels. This is supported by a transparent roadmap, including a completed MVP app, smart contract audits, and plans for CEX/DEX listings.

Comparisons to other presales like BlockDAG ($434 million raised) and Pepenode (meme-based gamification) underscore Digitap's real-world appeal. While BlockDAG focuses on technical scalability and Pepenode on speculative GameFi, Digitap's live app and privacy-centric features—such as offshore-shielded accounts and AI-driven low-cost remittances—address immediate financial pain points. The project's $1.3 million presale success and 124% APR staking rewards have intensified FOMO among investors.

As Digitap advances toward mass adoption, its potential to disrupt traditional banking models has drawn comparisons to XRP's unfulfilled promises. With a presale nearing 100 million tokens sold and a token price set to rise to $0.0297 soon, the window for entry is narrowing. Analysts argue that $TAP's blend of utility, deflationary design, and real-world integration makes it one of the strongest candidates for 100x growth in 2025.