XRP Update: Digitap's Practical Applications Put XRP's Delayed Ambitions to the Test

Digitap ($TAP) has quickly become a standout in the November 2025 crypto scene, amassing more than $1.4 million and surpassing competitors such as

(HYPER) and Pepenode (PEPENODE), as reported by . The initiative, which provides early backers with an 80% price reduction, seeks to bridge the gap between digital assets and traditional banking via a mobile platform, card, and multi-route payment options. In contrast, Bitcoin Hyper has gathered $25 million but is still in the idea phase, and Pepenode has raised $2 million but offers few practical uses. Digitap’s working product and deflationary token structure have led to speculation of a potential 100x surge if it lands on major exchanges by early 2026.

The rapid rise of this project has shifted investor attitudes, especially among

holders, according to . Digitap’s operational omni-bank app, payment cards without KYC, and instant conversion between fiat and crypto set it up as a direct challenger to XRP’s stalled institutional ambitions. Unlike XRP, which depends on collaborations with banks, Digitap puts the power in users’ hands, enabling real-world payments through features like tap-to-pay cards compatible with Apple Pay and Google Pay. Experts point out that Digitap’s token ($TAP) already serves clear functions—such as powering staking pools, granting governance rights, and offering app discounts—unlike many altcoins that lack immediate utility.

Digitap’s token structure further sets it apart. With a capped supply of 2 billion tokens and a deflationary mechanism that burns tokens with every transaction, $TAP’s rarity is systematically maintained, as noted by

. The tokens have been distributed at $0.0268 each, with projections suggesting a launch price of $0.14—a fivefold increase—potentially reaching $0.50 to $1.00 in 2026. Longer-term estimates predict $1.50 to $2.00 by the end of 2026, representing a 50x to 70x rise from the current price. This outlook is reinforced by a transparent development plan, a completed MVP app, smart contract audits, and upcoming CEX/DEX listings.

When compared to others such as BlockDAG ($434 million raised) and Pepenode (which emphasizes meme-based gamification), Digitap’s practical value stands out. While BlockDAG is centered on technical scalability and Pepenode on speculative GameFi, Digitap’s functioning app and privacy-first features—including offshore-protected accounts and AI-powered low-fee remittances—tackle real financial challenges. The project’s $1.3 million achievement and 124% APR staking incentives have heightened investor FOMO.

As Digitap moves closer to widespread adoption, its capacity to transform conventional banking has drawn parallels to XRP’s unrealized goals. With nearly 100 million tokens sold and the price soon increasing to $0.0297, the opportunity to participate is shrinking. Analysts believe that $TAP’s combination of practical use, deflationary economics, and real-world application positions it as a top contender for 100x growth in 2025.