Ripple’s XRP token looked poised to regain the $2 level on December 17th, but investors weren’t interested in the high price. The token fell to $1.85 amid growing macroeconomic concerns. Previously, even the top altcoins to buy With risk-off sentiment showing no signs of easing, markets that had appeared relatively stable have been hit hard.
XRP’s drop below the key psychological level of $2 highlights how even the largest altcoins operate in conjunction with the broader market rather than on their own merits. While speculative altcoins like XRP are struggling, Digitap ($TAP)the cryptocurrency presale project behind the world’s first “omnibank”, has been gaining attention in recent weeks.
The fintech startup offers investors a short-term hedge against bear markets with its recession-specific framework.
How does Digitap’s live banking app differ from XRP market trends?
Digitap is of interest to users considering a utility-focused token model. Unlike XRP, which trades in line with broader market sentiment, Digitap is backed by financial instruments that work. The company’s global banking app is already live on iOS and Android app stores, along with a web version.
Digitap users can manage both fiat and cryptocurrency balances in one app. This includes traditional banking features such as access to multiple offshore fiat bank accounts, global transfers via bank rail or crypto networks, foreign exchange conversion, and the ability to invest in over 100 digital assets. All users also have access to a Visa debit card that is funded from their account in fiat or cryptocurrency.
Digitap combines fiat and cryptocurrency functionality to offer a blended approach to payments. For example, money transfer companies typically charge an average of 6.2% to move customer funds around the world, but Digitap’s peer-to-peer app lets you move the same amount for less than 1%.
With an optional non-KYC sign-up process and global presence, Digitap has a very large addressable market overall. There are more than 1 billion adults around the world who do not have modern access to banking systems.
Many of these adults live in countries where access to ID is not possible. This puts Digitap on top altcoins to buyBecause the company is one of the few fintech companies positioned to reach the next billion cryptocurrency users and provide true financial inclusion.
About the $TAP token model and supply
Digitap’s pre-sale begins in late summer and consists of stages or rounds, with the price of $TAP increasing slightly as each stage sells out. The token was initially sold for $0.0125 and then steadily rose to $0.0383, giving early investors over 200% paper return.
The presale raised approximately $2.7 million, reflecting continued participation despite widespread market conditions. The team recently confirmed that $TAP has graduated from being a crypto presale token and will trade on live exchanges with an expected listing price of $0.14.
Digitap’s tokenomics appears to be designed for a bear market, even though it started near the peak of the bull cycle. The supply of $TAP is fixed at 2 billion tokens, and half of the platform’s overall profits will be used to buy back and burn $TAP on the open market and reward stakers. This model is designed so that the circulating supply decreases over time.
To keep engagement high and reward the community for continuing to participate despite the bear market, Digitap’s 12-day holiday campaign will run until January 2nd. Digitap’s presale widget includes daily bonuses and rewards, including bonus $TAP purchases, free access to paid features, and more.
Investors should not shy away from a rare festive sale on one of the best cryptocurrencies to buy in 2026, as the offer expires forever.
XRP market correlation and macro impact
The XRP token was once a near-unanimous candidate among investors to be included in the list of the best altcoins to buy. The token has long been touted for its quick payouts, resilience during previous market crashes, and great prospects, but it is now correlated with general market movements.
This is what you would expect from a top 5 altcoin by market cap, rightly or not. In the current bear market, this correlation essentially takes away the ability of every token to stand on its own story, resulting in a large overhang.
As such, macroeconomic factors are exacerbating XRP’s slump. The Federal Reserve’s recent quarter-point rate cut was expected to support markets, but investor uncertainty over the timing of the next rate cut dominated the market.
Similarly, a weak 2.7% consumer price index led to a rush of buyers for XRP, but sellers quickly took over. Similar uncertainty continued after that, pushing XRP back to $1.85, giving investors little hope that conditions would soon improve.
How Digitap’s model fits into 2026 market trends
The correlation between XRP and the broader market is no different from how Nvidia or Apple trade in conjunction with the Nasdaq index. The same investment theory applies to the crypto market, but many investors are understandably defensive.
Digitap is discussed in the context of a project that highlights its financial utility towards 2026 thanks to real-world use cases and resilient token metrics. Given Digitap’s unique position as a bridge between traditional banking and cryptocurrencies, this token could benefit for years to come. The team has not yet launched a global marketing campaign. That means the company’s best days are yet to come, offering a blend of stability and real-world utility backed by a defensive token model.
If the current risk-off mood carries over into the new year, Digitap’s banking stack approach could be one of the best. Cryptocurrency presale A project for 2026.
Check out Digitap’s projects here and see how they are integrating cash and cryptocurrencies.
Advance sale: https://presale.digitalap.app
Website: https://digitalap.app
Socializing: https://linktr.ee/digitalap.app
Earn $250,000: https://gleam.io/bfpzx/digitalap-250000-giveaway
Disclaimer
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