While XRP waits for an ETF, Digitap ($TAP) is already shipping a live Visa card

Ripple’s XRP is one of the largest altcoins and has spent years trying to revolutionise payments through partnerships and institutional adoption.

If XRP had succeeded in its mission, it wouldn’t be waiting on catalysts like a US exchange-traded fund approval to reclaim the $2.50 level.

Meanwhile, a much smaller upstart, Digitap ($TAP), is wasting no time bringing crypto to everyday payments with a live Visa card, earning it a spot in the list of top cryptos to buy now.

XRP, a legacy banking-oriented project, is stuck in limbo while agile crypto presale fintech projects like Digitap are delivering real-world usage now.

Digitap rolls out a live Visa card with Apple and Google Pay

Digitap users can send, receive, save, invest, store, and swap both fiat and cryptocurrency in one central hub.

The team has taken a unique approach to crypto payments by focusing on everyday users and bypassing many traditional hurdles.

In late 2025, Digitap launched its Visa debit card program globally, a new feature that lets Digitap users customise their own Visa card and spend their crypto (or fiat) at millions of merchants or ATMs via the Visa network.

The Visa card includes Apple Pay and Google Pay integration, making it as convenient as any standard neobank app.

Source: Digitap

Digitap looks like an altcoin to buy as usage arrives now

Digitap’s seamless crypto-to-fiat bridge is now in effect, representing a capability that fulfills what XRP’s supporters have hoped Ripple would achieve through banks.

The immediacy of Digitap’s solution (it can be used today) stands in complete contrast with XRP’s institutional approach that requires patience, regulatory green lights, and much more.

The market is recognizing this contrast with whales dumping XRP tokens and Digitap’s presale breaking past the $1.3 million mark.

Currently in its third round, Digitap’s native $TAP token is for sale at $0.0268.

This represents a more than 100% paper profit from the first-round price of $0.0125. It also implies a roughly 80% discount from the expected listing price of $0.14.

XRP’s ETF hopes rise, But Price Slips And Rivals Gain Ground

XRP was a top altcoin to buy when it surged above $3 during the summer months after reaching a very favourable $125 million settlement with the US Securities and Exchange Commission.

Since then, it has struggled to show any sustained buying momentum and is now trading roughly flat for 2025.

Optimism around a potential XRP spot ETF has given investors hope, but approval is delayed due to the US government shutdown.

Bloomberg’s Eric Balchunas, one of the top ETF experts, noted that Bitwise, the ETF issuer, has updated its XRP ETF with the “last box to check,” implying that approval is all but guaranteed.

It is reasonable to assume it is a matter of when, not if, an XRP ETF will start trading on a major exchange.

Still, this isn’t good enough for XRP investors who may be unwilling to accept the facts.

The grand vision of banks using XRP for cross-border payments has been slow to materialise, and at this point, it is reasonable to question the likelihood of future developments.

Is XRP one of the top altcoins to buy? The answer is simple: XRP is down around 14% over the past week and 25% over the past month, confirming that the “buy the rumours, sell the news” narrative doesn’t apply to XRP.

Source: @EricBalchunas

Why Western Union’s shift and M&A weigh on XRP’s case

Part of XRP’s failed narrative has to do with competition. Stablecoins dominate many cross-border and B2B use cases, and several banks and financial service companies are building their own rails. 

Adding insult to injury, Western Union, a former partner of XRP, announced plans to launch its US Dollar Payment Token, a stablecoin built on Solana designed for cross-border remittances.

Finally, XRP’s ETF approval is taking a back seat to a series of questionable M&A deals, including the software treasury solutions company GTreasury, prime broker Hidden Road, and, most recently, custody and wallet technology company Palisade.

Source: @Joe_Swanson057

Why utility today may matter more than an ETF tomorrow

While XRP holders wait for an ETF approval that could unlock value, Digitap is proving why it is one of the top cryptos to buy now.

The team is busy bridging crypto with the real economy. Its live Visa card program exemplifies this, as it turns cryptocurrency into something spendable in daily life with no waiting involved.

Digitap’s Visa partnership also adds credibility to the crypto presale project, as the card issuer is highly selective in its partnerships.

Visa carefully examines each potential partner as its brand reputation is also on the line.

Digitap is seizing that advantage and proving to early investors why it is one of the top altcoins to buy.

Discover the future of crypto cards with Digitap by checking out their live Visa card project here:

Presale https://presale.digitap.app  

Website: https://digitap.app 

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

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