Can XLM & XRP surpass 2018 high? Digitap’s no-KYC setup drives massive whale interest

Payments are becoming one of the defining narratives of this cycle. Global macro shifts, regulatory debates, and rapid adoption trends are pushing capital toward projects that offer real-world utility. 

This is why whales are favoring Digitap ($TAP), with its no-KYC approach, fully functioning app, and transparent presale structure.

Meanwhile, XRP and XLM face a critical moment: either reclaim their leadership or risk being overshadowed.

Many analysts have included these names among the best cryptocurrencies to invest in as the payment race intensifies.

XRP and XLM at a crossroads

Ripple and Stellar are two of the oldest and best-known tokens in the global payments space.

Their initial vision was clear: move value instantly and cheaply across borders, bypassing the slow and expensive systems of traditional banks.

For a while, they dominated the conversation. In 2018, XRP hit its all-time high of over $3, while XLM climbed toward $0.90.

Those levels remain a benchmark for many investors.

Both projects have survived multiple market cycles, regulatory battles, and new competitors entering the field.

They still hold strong positions, with established networks and institutional integrations.

However, neither has yet managed to break above those previous highs.

Some analysts believe the current cycle might provide the right conditions, especially if payment solutions continue to attract serious capital inflows.

At the same time, the landscape has changed. Projects like $TAP are introducing new features that legacy payment tokens lack — particularly in flexibility and accessibility.

That is creating new competition in an area Ripple and Stellar once led.

Digitap’s no-KYC model draws whale interest

Digitap’s growing presale momentum is making it one of the most discussed fintech projects of 2025.

The app is already live on both Apple and Google stores, meaning users can register, spend on the card, and move between crypto and fiat without waiting for the token to launch.

A major driver of whale interest is its no-KYC setup. Unlike XRP or XLM, which often require integration through regulated intermediaries, Digitap allows users to access the network directly.

This makes it especially attractive in regions where banking access is limited.

The platform targets the 1.4 billion unbanked worldwide, offering simple onboarding without layers of bureaucracy.

Moreover, first-world citizens want control over their finances without having to go through invasive KYC procedures every time.

This includes a growing demographic of remote workers who are fed up with traditional banking and constant verification to make transfers.

With Digitap, users can deposit or withdraw to IBANs or wallets of their choosing, anywhere in the world, with full ownership. 

Digitap’s early presale success

The presale has raised over $700,000, with around 60 million $TAP tokens already sold.

The current price is $0.0194 and is set to rise to $0.0268 in the next stage.

This structured pricing, combined with live utility, further explains why large buyers have begun to take positions early.

Many view $TAP as one of the best cryptos to invest in right now, given its upside compared to mature tokens.

Real competition in the payments space

The key difference between $TAP and legacy projects like XRP and XLM lies in their structure.

Ripple and Stellar rely heavily on their partnerships with banks, remittance firms, and other intermediaries.

That has helped them achieve scale, but it has also created barriers for individual users.

Digitap flips that model by focusing on the end user first. It is building an omni bank for individuals rather than institutions.

It also uses a deflationary system where 50% of platform profits go toward burning tokens and rewarding stakers.

Combined with its 124% staking APY, this gives it a different kind of growth potential than legacy networks.

For whales, this difference matters. XRP and XLM may provide stability, but early-stage projects like Digitap can offer much higher upside if adoption accelerates.

It has more room for adoption, as XRP and XLM already have partnerships and market penetration, which have contributed to the price rise of each coin. 

The payment war is just beginning

The resurgence of interest in payment tokens is a sign that this sector may become a major battleground in the coming weeks.

XRP and XLM remain strong legacy players with proven technology and integration.

But Digitap has arrived with a leaner, faster, and more accessible model.

Whether XRP and XLM surpass their 2018 highs remains to be seen. But one thing is clear: they’re no longer the only serious options in the payments race.

Investors who want exposure to this sector now have choices, and many large buyers are already making their moves.

Digitap’s easy access no-KYC model also serves to democratise the market.

Projects that impose heavy KYC burdens on users are not going to be successful compared to those that don’t.

Users want instant ownership and full access, not continual third-party interference. 

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 

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