Large XRP holders shift investments to up-and-coming payment initiatives such as Digitap.

XRP has historically been a prominent token in discussions concerning bank rails and cross-border settlement. However, there has been a noticeable trend among whales as they redirect their investments towards newer payment projects that offer consumer-oriented products, easy onboarding processes, and more precise token mechanisms. This shift in capital allocation reflects the evolving landscape of the cryptocurrency market, with investors seeking out the best altcoins to invest in today.

One project that has captured the attention of whales is Digitap ($TAP), a live omni bank that stands out due to its operational app, integrated Visa services, and significant presale traction amounting to $1 million. Unlike many early-stage tokens, Digitap is already operational and provides tangible services to users, altering the criteria for evaluating investment opportunities in the payment sector. While XRP traditionally relied on institutional channels for adoption, Digitap prioritizes engaging real individuals in utilizing payment solutions in the present moment.

In terms of pricing, XRP has experienced fluctuations, with periods of trading below $0.50 in 2024 followed by a surge to over $3.0 in 2025. Currently trading at approximately $2.50, XRP may need an extended consolidation phase to achieve further growth. The token’s proximity to its all-time high (ATH) signals limited upside potential compared to newer alternatives that offer greater momentum and user adoption prospects.

Despite XRP’s established utility and liquidity, whale investors prioritize assets with promising growth trajectories. As a result, many whales are reallocating portions of their XRP holdings to presales that demonstrate tangible results in terms of consumer engagement and revenue generation. Digitap’s appeal lies in its diverse suite of services, including instant fiat-to-crypto conversions, one-tap PoS payments, Visa integrations, and zero-KYC access, catering to a broad spectrum of banking and payment needs.

Digitap’s presale success, with funds exceeding $1 million, underscores its credibility among investors seeking tangible and user-centric payment solutions. With a clear roadmap for growth, including an upcoming presale stage that promises a nearly 40% increase in token value, Digitap offers a compelling case for investment. Furthermore, its token economics, which involve burning tokens and rewarding stakers with platform profits, establish a direct link between usage and token scarcity, reducing speculative risks for investors.

The market response to Digitap is also influenced by its focus on accessibility and consumer-centric features, as opposed to the enterprise-centric approach often associated with XRP. By offering low-friction spending options and support for stablecoins, Digitap targets a diverse user base, including the unbanked population and individuals seeking privacy-centric financial solutions.

As the cryptocurrency market evolves, the demand for next-generation payment applications continues to grow. Digitap represents a significant step towards fulfilling this demand, offering a unified platform that combines crypto and fiat services with a focus on user privacy, low fees, and accessibility. The reallocation of capital by whales from established tokens like XRP to emerging projects like Digitap underscores the market’s shift towards tangible user adoption and revenue-driven growth strategies.