Price remains the clearest driver of investor sentiment. XRP’s long market history shows what maturity looks like, while newer projects like Digitap ($TAP) illustrate what early-stage acceleration can achieve for those seeking top altcoins to buy.
Digitap is an omni-bank that allows users to make instant payments, deposits, withdrawals, transfers, and more, allowing full financial ownership via its zero-KYC framework.
For those comparing legacy tokens to new entrants, this is a direct look at the best crypto to buy now, in the fintech arena.
Digitap ($TAP): 新型Omni-Bank模型
Digitap is an omni-bank that connects crypto wallets and fiat payments in one platform. It targets the gap between traditional banking and Web3, providing users with a single account that manages savings, yield, payments, and more.
The appeal of this new approach to finance has already prompted $1.8 million of whale investment, especially since $TAP retails at just $0.0297, 80% discounted from its confirmed $0.14 listing price.
The protocol further reinvests 50% of platform profits into token burns and staking rewards, creating sustainable value for long-term holders. Analysts suggest that if adoption scales as planned, a 500x return could be possible — taking $TAP toward $15 in the lng term. That projection depends on user growth and platform utility, but even a fraction of that target would make Digitap one of the best cryptos to buy now.
The 500x projection from analysts is no doubt linked to $TAP’s global appeal. With light-touch compliance and zero-KYC access, anybody can download the application from iOS or Android today to send money to family, make payments at local stores, send invoices, etc. This opens the doors to the 1.4B globally unbanked, alongside first-world residents who are frustrated with the cost and intrusiveness of traditional finance.
XRP’s Price History And Current Position
XRP continues to serve its purpose in global payments, but most analysts agree its risk-reward balance is now modest. A further 3x or 4x might occur with broader adoption, yet the explosive gains that defined its early years are gone. XRP has grown from a launch price near $0.005 in 2013 to its current $2.45 — an impressive 490x return across a decade.
Despite that, growth has slowed sharply since its last peak in 2018. Regulatory battles, changing liquidity channels, and limited retail inflow have capped price momentum. Many investors have started scanning for altcoins to buy with earlier-stage pricing and scalable ecosystems that can deliver faster growth.
Long-term holders still view XRP as a reliable bridge asset for remittances, but its future gains are likely to be incremental rather than transformative. Institutional demand may stabilize price volatility, yet serious ROI now lies in emerging tokens that mirror Ripple’s early-stage potential.
So while XRP might yet hit $10, an increase of nearly 4x, this is not something that will happen in the months or years to come. After experiencing explosive price rises from 2024 to 2025, it needs time to consolidate before reaching new highs.
The Gap Between Legacy And Growth
XRP’s current valuation reflects maturity. It is widely used, liquid, and relatively stable — yet its upside is limited compared to earlier periods. Digitap, meanwhile, is still pre-launch and priced for growth, with the flexibility to capture market share in multiple sectors.
This widening divide between legacy coins and adaptive banking protocols underlines a major market rotation. Institutional portfolios are diversifying into fintech models, where real revenue feeds token demand. That’s a dynamic that XRP can't easily replicate within its existing framework, catering mainly to large banks.
Investors must consider that XRP is not particularly retail-friendly, with a primary focus on corporations and institutions. It lacks retail appeal and is therefore less marketable to certain demographics that require a functional product that seamlessly integrates fiat and crypto into one easy-to-use platform.
So we could see both retail and institutional investors pivot to Digitap. Institutions for the upside potential, and retail users for its real-world utility as a live omni-bank that accepts payments at any Visa-compatible point of sale terminal.
The Best Altcoin To Buy: Valuation-Based Investing Returns
Investors tracking crypto to buy now trends are increasingly applying valuation analysis rather than sentiment. In that sense, Digitap’s early pricing resembles XRP’s in 2014, but with compliance, developed token mechanics, market appeal, and delivered utility.
In contrast, XRP offers stability, not acceleration. The shift in capital preference shows a growing appetite for early crypto projects like Digitap, where risk is balanced by the possibility of triple-digit returns. Its 124% APY, 80% token discount, massive addressable market, and Visa-compatibility are unique USPs that could together serve to increase adoption and price.
The bottom line is that XRP has already seen a 490x. Only $TAP can realistically offer similar returns to investors, with a 500x positioning it around the $15 mark. XRP might have been the best altcoin to buy around 2013, but $TAP is the best altcoin to buy now.
