Digitap ($TAP) vs. Remittix (RTX): Which Crypto Presale Will Flip XRP First?
For more than a decade, XRP has tried to replace the antique machinery of correspondent banking with instant, borderless value flows. While the dream is coming true, unfortunately for XRP believers, it is not on the XRP ledger. Stablecoins have taken over the same corridors XRP was meant to modernise, and banks themselves are racing to launch tokenised rails for dollars and euros. Now investors are asking, if XRP is no longer the fastest horse in the cross-border payments race, which next-gen project could take its place?
Digitap ($TAP) and Remittix (RTX) are the two leading candidates. Remittix focuses on a clean, crypto-to-fiat remittance lane while Digitap is building a full omni-bank where fiat, stablecoins, and crypto live together. Both these crypto presales look like leading altcoins to buy in Q4 this year, but only one can wear the title of best crypto to buy now in the cross-border payments race.
The XRP Prize: How Stablecoins Won
The XRP market cap tells the story of how valuable it is to win this race. Replacing slow correspondent networks with instant settlements is a huge value proposition. But XRP hit two big obstacles. First, convincing heavily regulated institutions to use XRP has proved impossible in practice. And second, stablecoins offer a cleaner and more elegant solution.
Stablecoin supply has ballooned from single-digit billions to well over $300 billion. Even SWIFT is adopting blockchain, and the story XRP told in 2012 has become real. But Ripple was not the winner. This is where Digitap and Remittix are competing. They both accept that stablecoins have won the war, and now the winner is the product that can leverage them most effectively.
Remittix: The Remittance Specialist
Remittix focuses on remittances with a narrower, more specialised design. Its core product is a crypto-to-fiat payment network where users connect a Web3 wallet, send crypto, and have recipients paid out directly into bank accounts in local currencies. While simple, RTX still ranks among the best cryptos to buy now in the PayFi sector. The project supports over 40 cryptocurrencies and payouts in more than 30 countries. It is developing a Web3 wallet beta, and Remittix’s focus is on fast, low-cost transfers with fixed pricing. Designed primarily for remote workers, migrants, and small businesses. Remittix is a clean, single-purpose bet on remittance rails. It does one thing—take crypto in and deliver fiat out—and does this with minimal friction. That’s why it ranks as a leading altcoin to buy as the banking bull run begins, but can it flip XRP? The only problem is that Remittix’s scope is too narrow, and that’s why the Digitap crypto presale looks like a better candidate.
Digitap: Omni-Bank Built for Stablecoin Rails
Digitap’s core bet is that in a world of proliferating rails, what matters most is the front end, aka the user experience. It positions itself as the world’s first omni-bank delivering a global money app where fiat balances, crypto, and stablescoin live together. The app is already live on iOS and Android, supporting more than 20 fiat currencies and 100 crypto assets on the same dashboard. And allowing users to move between them instantly without juggling multiple apps.But the reason this crypto presale has caught attention is because of its Visa card partnership and multi-rail architecture. In many ways, Digitap looks more like a fintech rather than a pure crypto project. It has already issued thousands of virtual and physical cards, with Apple Pay and Google Pay enabled from day one, and the non-KYC virtual issuance has been a smash hit. Unlocking crypto payments with millions of regular merchants is more utility than most crypto presales ever deliver, let alone in the funding stage. Raising $2 million despite the ongoing bear market shows that investors and smart money clearly rank $TAP as a leading altcoin to buy in the fledgling PayFi bull run. Notably, it is market agnostic because of its focus on payments. But could $TAP flip XRP? Its multi-rail design integrates public blockchains and traditional networks such as SWIFT, SEPA, ACH, and Faster Payments. When a user wants to send money internationally, sometimes the optimal path is a stablecoin transfer on a public chain, and a legacy rail works better. All of this happens on the backend, and this is how regular people who don’t use crypto start to benefit from stablecoins.
$TAP vs. RTX: Which is the Best Altcoin to Buy and Who Flips XRP First?
Flipping XRP will take some time, but the upside, XRP’s valuation is in one hundred and seventeen billion dollars, is undoubtedly worth it. Where Digitap and Remittix differ is how their tokens capture value, and the type of multiple that can attract. Digitap behaves more like a full-stack money environment. It handles remittances, domestic transfers, card spend, and balance management across multiple currencies and chains. And each of these activities routes value back to $TAP thanks to its buyback program, with 50% of profits allocated to token value capture. Remittix, by contrast, is only a narrow remittance lane—while very useful, it cannot command a large multiple. In simple terms, $TAP is the more likely candidate to close the gap on XRP if this sector breaks out. And the current price of $0.0326 offers a significant discount to the final listing price of $0.14. Its larger surface area, Visa distribution, and omni-banking design make it the best crypto to buy now in the cross-border payments race, and it could realistically hit XRP’s valuation with enough time.
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Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.
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