How $4 Million Raised for Digitap ($TAP) Redefines the Payment Narrative: $TAP to Flip XRP?

A payment token is only as credible as its ability to move from crypto rails to daily spending. Digitap ($TAP) has raised roughly $4.3 million, demonstrating real buyer interest and giving the team the funds to keep building. With 120,000+ connected wallets and 196 million tokens sold, $TAP looks like a crypto presale people are actually buying, not just talking about.

XRP has spent years owning the “payments” label through speed, low fees, and institutional partnerships. The comparison question is not whether XRP works; the XRP Ledger (a payment-focused blockchain) settles transactions in 3 to 5 seconds, and the network’s minimum transaction cost is 0.00001 XRP.

The real question is where payment adoption will grow next: in bank and business transfer networks or in everyday spending tools like cards and mobile wallets.

Payment Narratives Now Get Judged at the Checkout

Payment narratives used to be dominated by throughput charts and settlement claims. The current market is increasingly shaped by user journeys that start with a wallet and end with a card swipe or a mobile wallet tap. When a project shows real users and real funding, it becomes easier to judge whether it can deliver basics that matter, smooth onboarding, reliable support, and a payment experience that works consistently.

Digitap’s presale frames the product around familiar spending methods, cards plus mobile wallets, so the promise is simpler: load funds, then pay in the same places people already shop. Raising about $4.3 million matters because payment products are operationally heavy, and it supports onboarding, compliance work, and partnerships that are hard to execute without capital.

XRP Remains the Benchmark for Speed and Low Network Cost

The XRP Ledger is designed for payments, settling in 3 to 5 seconds, with very low base network costs. That matters because if transfers are slow or costly, people will avoid using the network for payments.

Ripple has continued to frame its payments stack around coverage and volume. A September 2025 Thunes release shows Ripple Payments has 90+ payout markets and has processed more than $70 billion in volume.

These figures suggest XRP’s strongest lane is still institutional transfers, while Digitap wins the retail lane, the moment a payment happens in an app, on a card, or in a mobile wallet.

Ripple teamed up with Thunes to expand cross-border payment reach. (Source: Thunes.com)

The limitation of the XRP narrative for retail is not speed; it is distance from everyday spending. Infrastructure tokens can be essential while still feeling abstract to consumers. That creates a gap for everyday users, so some projects focus on products that feel familiar, like a wallet plus a card.

Crypto Presales With Real Utility Are Getting Re-Ranked by Proof, Not Promises

Digitap’s presale provides a quick way to judge seriousness, clear funding, live pricing, and visible participation, which helps beginners filter out vague presales. The dashboard shows about $4.3 M raised, a price of $0.0439 per $TAP, and a coming price increase to $0.0454 soon.

$TAP has a total supply of 2,000,000,000 tokens, and the platform plans to implement a buyback and burn program, where tokens will be repurchased and removed from circulation when transactions generate fees. This buyback and burn campaign will be funded by 50% of Digitap’s total profits.

XRP is mainly used as a settlement network, while Digitap presents itself as a consumer payments product focused on spending. Both relate to payments, but one focuses on moving money between institutions, while the other helps people spend in their daily lives.

What “Flipping XRP” Would Actually Require

A real narrative shift would show up in things like more active users, more successful payments, and more repeat spending through the product. Three signals capture that shift:

• More attention on real spending, shown through card and mobile wallet usage, and less focus on speed charts alone.
• Evidence of sustained usage, such as repeat transactions over time, could create token demand if fees are paid through the platform.
• Growth at scale, meaning new users keep joining after the presale ends, driven by product value rather than promotion.

Digitap’s fundraising and presale numbers help show early momentum, including funding and initial interest. XRP’s counterweight is that it is older, easier to trade, and supported by a large ecosystem of tools and users.

The comparison is not a verdict; it is a map of where each narrative is strongest, and it also serves as a practical checklist for users asking how to find the best crypto presales without relying solely on slogans.

Risks That Can Break the Narrative

Payments are hard because users expect fast support, low fraud, and near-perfect reliability. Execution risk comes first: a payments product needs reliable uptime, strong customer support, and solid fraud controls, plus compliance with local rules.

Card programs also come with regulatory requirements that can vary by region, and physical card issuance typically requires identity checks, even when virtual card experiences feel lighter.

Token claims should be treated with the same caution as product claims, and that caution matters most for investing in crypto for beginners who may confuse presale progress indicators with risk-free outcomes.

Crypto markets can move sharply, and token prices can rise or fall even if the product is improving. Broader economic news, trading demand, and rule changes can all affect price. Luckily, Digitap has already secured a list of banking partners, massively reducing all of these risks.

Digitap Shifts the Payments Debate From Rails to Product

A $4.3 million presale raise does not prove that a new payment token replaces an established one. It does, however, give Digitap a clearer argument than most early-stage projects: presale funding, dashboard metrics, visible pricing, and a product narrative focused on making crypto usable for spending.

XRP remains a benchmark for fast, low-cost transfers that support cross-border business payments. Payments are now being redefined less by back-end networks and more by simple tools people can use every day.

Digitap’s raise is one data point; the real proof comes after the presale, such as people using it again and again, simple sign-up and setup, and steady product updates, because that’s where a payments token stops being a story and starts being real.

Discover how Digitap is unifying cash and crypto by checking out their project here:

Presale: https://presale.digitap.app

Website: https://digitap.app

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

Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway

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