Banking tokens have been the talk of the town for the past few weeks. It looks like the market is moving to banking utility plays in Q4, and out of all of the altcoins to watch on the market, 3 of them stand out:
1 – Digitap ($TAP) – A new project offering the world’s first-ever omnibank.
2 – Cardano (ADA) – A development-heavy platform with potential for building banking infrastructure.
3 – Ripple (XRP) – An old-school player with major institutional backing potential.
Digitap: Highly Innovative Banking Utility That Merges TradFi and DeFi
Digitap has finally done what many failed to do: created a product that merges traditional finance and banking with crypto. With its product, users can hold and store their fiat and crypto assets in one place, choosing whichever they want for payments.
Also, they’ll get seamless and instant conversions, and they’ll be able to use Digitap anywhere where VISA is accepted. In addition to being backed by VISA, Digitap is also available via Google Pay and Apple Pay.
This ease-of-use, as well as widespread use cases that both crypto and non-crypto people can benefit from, positions Digitap for potentially insane adoption in the near future. It also makes a great new crypto for beginners, as access is easy and the benefits are plenty.
Speaking of benefits, Digitap uses a robust AI-powered routing system that slashes cross-border payment fees to new lows. Namely, it takes the industry average of 6.2% and slashes it to under 1%. It also gives non-crypto users a taste of the crypto market, giving them access to non-mandatory KYC, anonymity, offshore accounts, speed, and security.
All of this is available while $TAP is still in its presale, currently selling for $0.0159 per token. So far, interest has been insane, as $TAP has raised over $650K, selling more than 53 million tokens. This stage of the presale is 93% sold out, and when it hits 100%, $TAP’s price will rise to $0.0194, a 22% rise from its current price.
| Metric | Details |
| Stage Price | $0.0159 |
| Next Stage Price | $0.0194 |
| Tokens Sold | Over 53.2 million |
| Capital Raised | Over $650K |
| Fundraising Goal | $10 million |
The ADA Price Is Flailing: Is This Cardano’s Accumulation Phase?
The ADA price has been choppy for the past few weeks. It all started with the market-wide dump on September 22, 2025, where the top 10 altcoins, along with most of the market, fell sharply in value. After that, the market started recovering, and so did ADA.
Now, ADA’s price is hovering around $0.8066, a 5.26% decrease in the past week. So, ADA’s price fell, recovered, and is now falling again. ADA’s trading volume is also down, decreasing by 28.48% in the past 24 hours. The same goes for ADA’s market cap, currently down by 1.75% in the last 24 hours.
According to experts, ADA might be in an accumulation phase, as they expect ADA to surge during the current banking craze in crypto. Ali Martinez states that, when the ADA price reaches $0.90, breaking above it will take its price to $1.10.
He also notes that Cardano whales are active, which is why most experts believe that the ADA price will rebound and rise soon. Namely, recently, Cardano whales bought 70 million ADA tokens, preparing for a potential rally.
XRP Is Also Gaining Its Ground, Currently Trading In A Critical Zone
XRP is in a similar boat as ADA, what with its recent price swings. XRP’s price also suffered during the market-wide dump, then it rebounded, and now it’s trading in the red. Namely, XRP’s price is currently at $2.80, down by 5.91% in the last 7 days. XRP’s trading volume is also down by 30.17% in the last 24 hours, indicating a cool-off from traders/investors.
According to Ali Martinez, $2.80 is a critical level for XRP’s price, one that can dictate where its price will go. So, if XRP’s price manages to break above, a rally would most likely ensue. However, if XRP’s price falls below, it might head toward a correction to $2.72.
The potential correction to $2.72 might mark the bottom for the XRP price, as it represents XRP’s triangle bottom. If it comes to this, XRP’s price will most likely go on a rebound, possibly reaching $3+. And with the banking craze in the market, experts believe that reaching $3+ is a likely scenario for XRP. Thus, they see it as one of the top cryptos to buy right now.
Why Digitap Leads the New Wave of Banking Tokens
While Cardano and XRP’s usefulness and importance can’t be minimized, Digitap comes out with the potential to outperform them both in this new banking era. That’s because, as an omnibank, Digitap bridges the gap between crypto and finance & banking, appealing to all kinds of users – crypto users, individuals who’ve never touched crypto in their lives, and businesses.
Also, Digitap’s low market cap and upcoming launch provide greater headroom for growth. This combination of real-world application, a deflationary token model that helps with $TAP’s price rises, and a presale that’s quickly approaching its next stage creates a strong case for Digitap being a leader in the banking tokens segment.
Digitap is Live NOW. Learn more about their project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Disclaimer
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