Bank coins have been the talk of the town in recent weeks. It looks like the market is turning to bank utility plays in the fourth quarter, and of all the altcoins seen on the market, three stand out:
1 – Digitap ($TAP) – A new project that offers the very first omnibank in the world.
2 – Cardano (ADA) – A development-heavy platform with potential for building banking infrastructure.
3 – Ripple (XRP) – An old-school player with great institutional support potential.
Digitap: Highly innovative banking utility that merges TradFi and DeFi
Digitap has finally done what many have failed to do: create a product that combines traditional finance and banking with crypto. This product allows users to keep and store their fiat and crypto assets in one place, choosing what they want for payments.
Plus, they get seamless and instant conversions, and can use Digitap anywhere VISA is accepted. Digitap is not only supported by VISA, but is also available via Google Pay and Apple Pay.
This ease of use and the widespread use cases that both crypto and non-crypto folks can benefit from position Digitap for potentially insane adoption in the near future. It is also a great new crypto for beginners because access is easy and the benefits are numerous.
Speaking of benefits, Digitap uses a robust AI-powered routing system that takes cross-border payment costs to a new low. It takes the sector average of 6.2% and reduces it to less than 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 pre-sale and is currently selling for $0.0159 per token. So far, interest has been crazy, as $TAP has raised over $650,000 and sold over 53 million tokens. This phase of the presale is 93% sold out, and when it reaches 100%, the price of $TAP will rise to $0.0194, an increase of 22% from the current price.
| Metric | Details |
| Podium Prize | $0.0159 |
| Price next phase | $0.0194 |
| Tokens sold | More than 53.2 million |
| Capital raised | Over $650,000 |
| Fundraising goal | $10 million |
ADA price is wavering: is this Cardano’s accumulation phase?
The ADA price has been choppy in recent 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. Then the market started to recover, and so did ADA.
Now the price of ADA is hovering around $0.8066 Decrease of 5.26% in the past week. So the price of ADA fell, recovered and is now falling again. ADA’s trading volume has also fallen, dropping 28.48% in the last 24 hours. The same goes for ADA’s market cap, which is currently down 1.75% in the last 24 hours.
According to experts, ADA may be in an accumulation phase as they expect ADA to rise during the current banking craze in crypto. Ali Martinez states that when the ADA price reaches $0.90, exceeding it will bring the price to $1.10.
He also notes that Cardano whales are active, which is why most experts believe that the ADA price will quickly recover and rise. Namely recently bought Cardano whales 70 million ADA tokens, in preparation for a possible rally.
XRP is also gaining ground and is currently trading in a critical zone
XRP is in a similar boat to ADA, with its recent price fluctuations. The price of XRP also suffered from the market-wide dump before recovering and is now trading in the red. The price of XRP is currently $2.80, decreased by 5.91% in the past 7 days. XRP trading volume has also fallen 30.17% over the past 24 hours, indicating that traders/investors have cooled down.
According to Ali Martínez$2.80 is a crucial level for the price of XRP, one that could determine where the price will go. So if the price of XRP manages to rise above, a rally would most likely follow. However, if the price of XRP falls below this, it could see a correction towards $2.72.
The potential correction to $2.72 could mark the bottom for the XRP price as it represents the triangular bottom. If it comes to that, the price of XRP will most likely stage a recovery and possibly reach $3+. And with the banking craze in the market, experts believe that reaching $3+ is a likely scenario for XRP. So they see it as one of the best cryptos you can buy right now.
Why Digitap is leading the new wave of banking tokens
While the utility and importance of Cardano and XRP cannot be minimized, Digitap comes with the potential to outperform both in this new banking era. That’s because as an omnibank, Digitap bridges the gap between crypto and finance and banking, appealing to all types of users: crypto users, individuals who have never touched crypto in their lives, and businesses.
Furthermore, Digitap’s low market cap and upcoming launch provide more room for growth. This combination of real-world application, a deflationary token model aiding $TAP’s price increases, and a presale that is quickly approaching its next phase, creates a strong case for Digitap as a leader in the banking token segment.
Digitap is live NOW. Read more about their project here:
Presale https://voorkoop.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Disclaimer
Please note that all information, including our ratings, advice and reviews, is for educational purposes only. Investing in cryptocurrencies involves high risks and CryptoNinjas is not responsible for any losses. Always do your own research and determine your risk tolerance level; it will help you make informed trading decisions.
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