What XRP promised, this new token delivers: A deep dive into XRP 2.0

As XRP loses steam despite a $1b boost, Digitap is gaining traction as the “XRP 2.0,” targeting the global payments market with faster growth and broader access.

While established tokens like Bitcoin and Ethereum have set new all-time highs, Ripple is lagging, trading 27% below its 2025 high. Even major catalysts, like the recent $1 billion XRP treasury announcement, have failed to move the price. 

While XRP is moving into the next orbit as an institutional-grade asset, which limits its explosive price potential, Digitap (TAP) is rising as the “XRP 2.0”.

Digitap is now showing more factors, which experts believe could change how cross-border payments occur today. Here is a look at the XRP price action in October and how Digitap is rapidly rising to surpass XRP in the payments space.

XRP lacks momentum despite the October inflow

Ripple’s XRP was expected to make uptrending moves after Evernorth announced a $1 billion plan to create the largest institutional-grade XRP treasury. However, after holding the $2.7 support for a long time, the bulls have lost steam. The payment-based altcoin, which has experienced high volatility alongside the broader crypto market, could tumble even further. 

With momentum decreasing and the market cap dropping below $160 billion, investor confidence has declined. Nevertheless, the altcoin has remained among the top four cryptocurrencies by market cap. 

Investors are breathing a sigh of relief this week with a $9.6% surge, and if the momentum continues, it could push the XRP price higher in the short term. Although the current outlook and market sentiment appear weak, a resistance retest could happen around the $3 level.

Crypto analyst Stephiscrypto recently shared his analysis, noting a bullish cup-and-handle forming on the XRP chart. The analyst draws a cup-and-handle pattern from the 2020 high to the 2024 high, with the 2025 dip as the handle. A cup-and-handle pattern is bullish and could be followed by a bullish breakout. But for this cycle, XRP seems to be taking longer. 

Despite being an established project, Ripple may need more time to bounce back, but a new contender is gaining serious attention. Digitap has quickly become the talk of the market, with experts calling it an “XRP 2.0” for the way it redefines crypto and fiat transactions. Many experts see TAP replicating XRP’s growth curve and consider it one of the top cryptos to buy in 2025.

How Digitap could become XRP 2.0

Digitap is rapidly gaining popularity as the world’s first Omnibank, with expanding distribution. Like XRP, Digitap provides cross-border payment solutions at low cost. The latter has already partnered with Visa to roll out physical and virtual cards that support Apple Pay and Google Pay. This will serve a wider audience, including freelancers, small businesses, and retailers. 

While XRP has focused on major banks and institutions, which indirectly reach consumers, Digitap has taken a bottom-up approach, reaching consumers directly. On this platform, users don’t need to juggle between accounts, as fiat, stablecoins, and crypto are all held in a single balance.

Digitap has shown a masterclass in timing, as the cross-border payments opportunity is expected to top $250 trillion annually by 2027. Foreign workers and freelancers send trillions in money transfers overseas every year, usually at very high rates. Digitap has high potential to capture this market, offering users simple processes and low fees.

TAP emerges as 2025’s leading crypto presale

Digitap has emerged as a crypto gem not to miss this year. The project has already raised $1,061,902.02 and sold 75.3m tokens, demonstrating strong investor confidence. 

The total supply of TAP tokens is capped at 2 billion, but this figure will continue to decline as half of the platform’s profits are used for regular buybacks and token burns. 

At its current price of 0.0194 USDT, TAP is still in an early phase. The price is set to climb by 38% in the next stage, reaching 0.0268 USDT per token.

However, the rest of the presale offers even more potential returns. Set to lead the PayFi sector as an XRP 2.0, Digitap is arguably one of the leading cryptos to buy now. Besides crypto enthusiasts, this DeFi protocol will also attract traditional investors, which could potentially propel its value much higher after its launch.

To learn more about Digitap, visit the presale, website, and socials. Use the code “DIGITAP15” for 15% off first-time purchases.