Digitap's Omni-Bank Aims to Serve 1.4 Billion Unbanked, Set to Surpass the Limited Applications of XRP and XLM

Digitap ($TAP) has quickly become a prominent topic within the crypto space, with experts noting similarities to

and the historical growth of XLM. Both XRP and , which started as lesser-known altcoins, experienced dramatic increases of over 30,000% and 18,000% respectively during 2017–2018 by solving issues in international payments and cross-border transfers.

What sets Digitap apart from XRP and XLM is its omni-bank approach, which brings together both fiat and crypto functionalities in one application. Key features include a debit card supported by Visa that works with Apple Pay and Google Pay, multi-currency account options, and a rewards program linked to $TAP. This comprehensive platform is designed to challenge conventional banks and fintech services, providing users with a seamless experience for managing deposits, currency exchanges, and spending. Analysts point out that Digitap is particularly focused on serving the 1.4 billion adults worldwide who currently lack access to basic banking services.

Digitap’s tokenomics further strengthen its prospects. The $TAP token has a maximum supply of 2 billion, with 44% allocated for early supporters and 13% for promotional efforts. Deflationary strategies, such as revenue-driven buybacks and token burns, are intended to support the platform’s expansion. Additional benefits for $TAP holders include staking rewards and reduced fees, offering more utility compared to the settlement-centric roles of XRP and XLM.

Forecasts for 2025 suggest returns between 50x and 100x, which would put $TAP at $0.60–$0.70 per token, assuming Digitap’s omni-bank platform secures even a small portion of the 1.4 billion-person market. Even more cautious projections anticipate a 10x–20x gain, with $TAP reaching $0.12–$0.15 by the end of the year. Analysts attribute this potential to Digitap’s modest market capitalization, favorable timing during a crypto bull run, and growing demand from both retail and institutional investors.

The parallels with XRP and XLM are intentional. While those tokens are primarily focused on facilitating cross-border payments, Digitap’s ecosystem encompasses settlements, banking, and consumer incentives. This positions it as a competitor not only to SWIFT but also to fintech platforms like Revolut, aiming to capture a share of the projected $33 trillion global digital banking market by 2030. Nevertheless, Digitap must navigate regulatory challenges and competition from established entities. Its future success will depend on user growth, as each new participant could increase demand for the token through staking, fee reductions, or governance roles.

Although the Federal Reserve’s recent interest rate reductions are not directly related to Digitap, they reflect broader economic trends that impact the cryptocurrency sector. The 25-basis-point cut in September 2025 marked a move toward monetary easing, with further reductions expected through 2025 and 2026. Lower rates could make riskier assets like cryptocurrencies more attractive, though persistent inflation could present obstacles. Ultimately, Digitap’s performance will be more closely tied to its ability to meet market needs and execute its business plan than to macroeconomic cycles.