Investors are rethinking their holdings as XRP shows signs of strain in a difficult bear market environment. While once a promising altcoin to buy, XRP may now have maxed out its price potential — whales are looking to discounted crypto presales with a fintech focus instead.
Of the available fintech altcoin candidates, Digitap ($TAP) clearly stands out as the best crypto to buy now. As the world’s first functioning omni-bank, it offers a live product available from iOS and Android, Visa-compatible cards, 124% APY, early-stage pricing, and Black Friday deals.
This is why smart money investors are exiting XRP in droves and rotating capital to $TAP. Increased investment is expected this Black Friday weekend, as Digitap has launched a 96-hour event with a release of $1M in prizes up for grabs.
XRP Under Pressure: Price Declines And Poor Fundamentals
XRP’s recent performance has been shaky, with market volatility and bearish trends affecting investor confidence. On-chain data shows shrinking wallet activity and reduced institutional inflows. Network transaction volume has also dipped. After experiencing a rally in late 2024 to early 2025 (rising from $0.50 to above $3.00), it now trades at $2.19, down 17% monthly.
Analytics indicate fewer daily active addresses than in earlier cycles, a sign of waning demand and liquidity constraints for holders. For many, this raises serious doubts about XRP’s near-term upside, pushing holdouts to consider alternatives rather than waiting for a rebound. As value erodes and growth stalls, whales appear more willing to rotate out of XRP and into alternative assets.
From a price perspective, XRP has already experienced more than a 1000x, and it is highly unlikely to achieve anywhere near this multiplier again. This kind of growth is really only obtained from early-stage tokens that offer multiple levels of incentives to token holders, which is one reason for the whale rotation.
XRP further has to deal with issues of a limited target audience. It has long been known as an institutional coin, not designed for the globally unbanked or for retail users. XRP seeks to make settlements faster for banks, not to make payments easier for retail users. It can’t be used to make payments at card terminals; there is limited fiat-to-crypto interoperability, no staking APY, and a highly centralized governance model.
Why Whales Favor $TAP: Omni-Bank Functionality At A Discount
Digitap is an omni-bank platform combining fiat payments, crypto storage, yield tools, and global transfer capability. It seeks to redefine finance by offering a unified superapp that is globally accessible, easy to use, and with full user ownership. Thus far, the crypto presale has raised $2.2M from whale investors, with much of this allocation seen in recent weeks as long-term holders rotate out of large-cap coins.
Retail users can benefit from instant deposits, withdrawals, payments, transfers, and savings, while business owners can make use of invoicing, payroll, international IBANs, and 24/7 support. This functionality is available at a major discount. The current $TAP cost is $0.0334, set to rise to $0.0361 in the next round, before ultimately listing at $0.14.
The tokenomics are built around real utility. 50% of platform profits flow into token burns and staking rewards, creating a mechanism that links value directly to usage. Token holders can benefit from 124% APY while the $TAP price rises at each subsequent round of its ongoing crypto presale.
This structure gives Digitap a clear edge over established tokens. A zero-KYC framework further allows anybody with a WiFi connection and a smartphone the opportunity to access institutional-level banking services with full control over financial affairs. This massively increased the addressable market to include the millions of remote work professionals and billions of globally unbanked.
Black Friday 96-Hour Surge Adds Timing Incentive: $1M Giveaway
Digitap’s current fundraising round benefits from a Black Friday-style campaign that introduces hourly offers and bonuses. Every hour for 96 hours brings a new limited-time deal: token bundles, credits, product giveaways, or card-linked perks. The rapid drop schedule builds urgency, incentivizing early entry and repeat checking.
For whales timing their allocation moves, this creates an extra push to secure lower-price tokens before the next price step. This kind of timed incentive aligns with the strategic mindset of investors searching for crypto to buy now, offering both early pricing and potential bonus value, two variables absent in legacy assets like XRP.
It gives Digitap a promotional lift, adding fuel to its adoption and momentum. In total, $1M in prizes is offered over the 96-hour period, and the time-sensitive nature of the offerings promotes engagement and participation rather than passive investment. It also demonstrates that Digitap is moving forward while the rest of the market declines.
$1 MILLION in CASH, PRIZES, GIVEAWAYS. BLACK FRIDAY SALE IS LIVE NOW
As major assets like XRP crash, the $TAP price rises in each successive round. It continues to launch events and to gain new users even during a bear market, and its current round is 90% sold out. This Black Friday deal adds to existing USPs such as the 124% APY, 50% token burn, and fully functional payments application.
Why Whale Money Is Rotating Into The $TAP Crypto Presale
The shift from XRP to $TAP among larger investors seems driven by a search for fintech tokens that are steeply discounted, with high growth potential, and a live product. Digitap fits the bill as an excellent altcoin to buy and an ideal replacement for the overvalued XRP token.
XRP’s fall, driven by declining network activity and uncertain macro signals, has underlined the risks of large-cap exposure. By contrast, Digitap presents a clear combination with a working product, real-world utility, and discounted crypto presale entry.
Its 96-hour Black Friday event also reinforces its position as the best crypto to buy now, with more whale investment expected over this weekend. It already has the working banking protocol — events like these could serve as the catalyst needed for global adoption.
Discover how Digitap is unifying cash and crypto by checking out their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
