XRP Price Prediction 2026: Can It Hit $5? Why Digitap ($TAP) Might Be Your Smartest Crypto Play Today

XRP's 2026 price trajectory sparks debate—can it really 5x from current levels? Meanwhile, Digitap ($TAP) quietly builds momentum as institutional money starts circling.

Ripple's legal battles fade, but can adoption outpace the crypto graveyard? The network's enterprise focus gives it staying power most altcoins lack.

Then there's Digitap—the 'boring' infrastructure play making traders look twice. While moonboys chase memecoins, $TAP's payment rails are getting real-world traction. (But let's be honest—if you're reading this, you'll probably FOMO in at the top anyway.)

Market cycles come and go. The real question: Will you hold assets with utility, or just hop between hype trains until the music stops?

How No-KYC Access Helps 1.4 Billion Unbanked Use Crypto Daily

XRP was designed to facilitate interbank transfers and institutional settlements, but Digitap is built for the end user. Digitap enables everyday crypto spending and global money transfers, giving it an immediate use case. The platform’s live banking app and crypto-linked Visa card allow anyone to pay with digital assets or seamlessly convert between fiat and crypto when transacting.

Digitap offers an optional no-KYC onboarding process that automatically appeals to privacy-conscious consumers. However, this also provides direct and immediate access to the more than 1.4 billion adults worldwide who are underbanked and don’t have access to proper identification.

The platform is heavily marketing how it can beat legacy financial institutions and save consumers money. For example, money remitters (think MoneyGram) charge consumers on average more than 6% to MOVE their money. By contrast, Digitap’s peer-to-peer setup allows users to move money to each other for as low as 1%.

Why Staged Crypto Presale Pricing Rewards Early Backers As Traction Builds

Digitap’s presale of its native $TAP token continues to gain momentum as investors share with each other, as large investors tend to share their lists of altcoins to buy before the end of the year.

The presale has already raised over $1.2 million, and the price has climbed over 110% from its first-round price of $0.0125 to the current third-round price of $0.0268. A scheduled increase to $0.0297 is set to take place before the end of the week.

This kind of performance is a clear indicator of market excitement for a hot crypto presale project. In a cooling market environment, seeing a presale rocket by triple digits certainly stands out, although it is completely justified. The team behind Digitap continues to roll out new features, including a high-yield staking opportunity and a recent Apple Pay integration.

Digitap is showing early credibility that is translating into early confidence that, once $TAP hits exchanges, it could justify the current projected price of $0.14.

What Western Union’s Stablecoin Move Signals For XRP

XRP ranking as a crypto to buy now, ahead of a run to $5 in 2026, is a narrative many investors have bought into. However, a rise to $5 WOULD require a more than 100% gain from its current price of around $2.35. This represents a major hurdle as XRP’s growth profile is currently constrained by multiple factors.

Institutional adoption, which is XRP’s primary use case, has shown steady progress but nothing exponential or revolutionary as of late. Meanwhile, competition from stablecoins has intensified in a major way lately.

Most notably, Western Union announced on Oct. 28 its plans to launch its new stablecoin built on solana and issued by Anchorage Digital Bank. Interestingly, Western Union started experimenting with Ripple’s technology in 2015, but must have felt it was not the best option to facilitate money remittance.

Source: @CryptosR_Us

Is Digitap The Crypto to Buy Now as XRP Waits for Institutions

Digitap is doing what few crypto presale projects can accomplish: bringing crypto to retail payments in a way XRP never attempted. From an investment standpoint, this means $TAP could grow in tandem with user adoption. XRP, on the other hand, is waiting on major banks or legacy financial institutions that find value in what XRP has to offer.

Meanwhile, recent trading action on Nov. 3 has pushed XRP down to $2.35, essentially removing it from most lists of top crypto to buy now. Investors appear to agree that it lacks any catalyst to justify even the $2.50 level, as it faces heavy selling pressure. Digitap, on the other hand, is rapidly building momentum with tangible progress.

Investors hunting for altcoins to buy should take a closer look at Digitap as the more compelling bet for outsized returns. Digitap has a clear path to growth, backed by a total addressable market that spans more than one billion people and a suite of features that provide real savings to individuals who need it most.

Presale https://presale.digitap.app

Website: https://digitap.app

Social: https://linktr.ee/digitap.app