Will XRP Reach $3 Before Digitap ($TAP)? Best Banking Crypto Presales 2026

XRP's price has retreated slightly after a sharp rally, with bulls attempting to defend the $2.25 level. This pullback has not invalidated the broader bullish structure, keeping the $3 target in view if support holds. The token has demonstrated resilience, with institutions maintaining consistent net inflows into XRP-linked ETFs, reinforcing its structural support.

The broader crypto market is consolidating after a strong start to 2026. XRP has emerged as one of the top performers, breaking a multi-month bearish trend. However, a decisive close above $2.30 has yet to materialize, prompting profit-taking and a temporary pullback.

Technical indicators suggest the current pause is a short-term consolidation rather than a reversal. The price remains within the upper band of Bollinger Bands, indicating strong bullish momentum. A rebound from the $2.24 support level could reinvigorate the uptrend.

Why the Move Happened

Institutional interest in XRP remains strong, with ETF inflows continuing to accumulate even during short-term price corrections. This trend suggests that larger players are positioning for a continuation of the uptrend, not a reversal.

The absence of sustained outflows from XRP-linked ETFs indicates confidence in the token's long-term trajectory. This steady institutional demand has helped anchor downside risk and maintain constructive sentiment among traders.

How Markets Responded

Altcoin activity is gaining traction as investors seek exposure beyond Bitcoin and Ethereum. The Altcoin Season Index is approaching 40%, signaling the early stages of a potential altcoin-led cycle.

Digitap ($TAP) is emerging as a leading altcoin with a strong presale and banking-focused utility. The platform's live application has already attracted over 120,000 connected wallets, and the token offers real-world financial use cases such as cross-border payments and fiat integration.

Institutional and retail investors are showing growing interest in $TAP, with the presale price set at $0.0411 and a launch price of $0.14. This pricing structure provides a clear upside potential for early buyers.

What Analysts Are Watching

Legislative developments in the U.S. remain a key focus for the crypto sector. The Responsible Financial Innovation Act (RFIA), which aims to establish a regulatory framework for digital assets, is expected to undergo a markup in early January.

The passage of this bill could have significant implications for the market. Clear regulatory guidelines may attract more institutional participation and provide a stable foundation for long-term growth.

Market analysts are also monitoring broader macroeconomic factors, including equity market performance and the likelihood of a 2026 recession. A sharp selloff in equities could impact risk assets, including crypto, in the short term.

Institutional adoption continues to expand, with crypto ETFs now managing over $135 billion in assets. This trend is expected to continue as more traditional financial institutions lower barriers to entry through regulatory changes and new charter approvals.

XRP remains a key player in this evolving landscape, with its price trajectory closely linked to institutional demand and regulatory clarity. A sustained breakout above $2.65 could signal a stronger move toward the $3 target.

Digitap ($TAP) is also gaining traction, with its utility-driven model attracting attention from both retail and institutional investors. As altcoin rotations continue, projects with real-world use cases are likely to outperform speculative tokens.