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The crypto market’s crash on Friday, Oct. 10, and inability to show sustained recovery mark a turning point for the industry. Long-standing blue-chip assets like Ripple (XRP) are now facing tempered expectations. Analysts who once predicted that XRP would trade above $4 before the end of the year are now trimming their outlook to the low-$3 range.

In contrast, analysts are prioritizing their time and effort in identifying new crypto startups that offer the potential for outsized returns. One project attracting attention is Digitap ($TAP), the creator of the world’s first “omni-bank,” which is part crypto broker and part fiat bank.

Inside Digitap’s App: Hold, Send, Save, Invest, and Spend

Digitap created what some analysts describe as a financial super-app or global money app. Users can hold multiple currencies (both crypto and fiat) in one account. Inside the app, users can send, receive, save, invest, and spend their money through a Visa-integrated card.

The app is already live on both the Apple App Store and Google Play Store. The app is available globally, and an optional no-KYC sign-up process allows users to access basic products without needing to provide identification.

Digitap’s target market extends beyond crypto-native users and non-crypto users who want to part ways with legacy banks in favor of new startups. There are an estimated 1.4 billion people worldwide who are unbanked or underbanked, meaning they don’t have a bank account or access to banking services. Digitap offers a global money app that doesn’t require an ID to sign up.

There are also an estimated 800 million people worldwide who rely on remittance transfers from friends and family. Legacy money remitters charge an average of 6.2%, but Digitap users can transact with each other at a rate as low as sub-1%.

Could $TAP 100x? Pricing, Valuation, and Adoption Benchmarks

Digitap’s presale is ongoing, with a current token price of $0.0194, which will rise to $0.0268 in the next stage. Over 60 million $TAP tokens have been sold, reflecting a growing consensus among investors that it is one of the best new cryptos to invest in 2025.

Given a fixed supply of 2 billion tokens, Digitap’s valuation stands at less than $40 million. Some forecasts suggest a 100x price increase from current presale levels, bringing its price to roughly $2. This is not only a realistic outlook but also quite tame by crypto standards.

Binance (BNB) is a fair comparison story. While not a direct competitor with Digitap, Binance does overlap and offers some similar crypto services. Since Binance’s very early days, the token has gained a mind-boggling 950,000%.

Aave (AAVE), which is not a direct competitor but is a crypto platform engaged in financial services, has seen its token skyrocket from around $0.25 in 2017 to an all-time high of around $660 in 2021.

These examples show that the market would gladly re-rate undervalued banking and finance tokens 100x, if not more, if they can demonstrate real-life utility.

XRP Stuck $2.30–$2.90 as Targets Trim to a $3.20 Base

After a strong start to 2025, XRP’s rally has lost momentum. Currently trading below the key $2.50 level, the stock is causing concern among chart watchers and technical analysts. The current price is much closer to the $2.30 support level than the $2.90 resistance level.

Recent catalysts to jolt the token back to life have not played out as many had hoped. Most recently, the $1 billion acquisition of GTreasury, a fintech treasury management software provider, was mostly ignored by investors.

Also, a Ripple-backed company called Evernorth is raising more than $1 billion to buy XRP tokens. However, this figure is relatively small, as it will not offset the $5.4 billion worth of XRP tokens whales have been selling in recent weeks, although the pace of selling has eased in recent days.

Source: @Steph_iscrypto

As investors shunned recent developments, XRP’s price prediction through the end of the year has become much less aggressive. A $3.20 price target is a reasonable outlook, but analysts note it requires XRP to show investors that recent moves are economically beneficial and accretive to its long-term goals.

$TAP’s Early Utility and Low Cap Frame the 100x Debate

Analysts are openly calling $TAP one of the best cryptos to invest in now, citing its working app, Visa integration, and its low market cap. If Digitap’s omni-bank vision gains traction and shows consistent monthly active user growth, a 100x gain is on the low end of its potential.

Digitap is making all the right moves today to convince investors it is well-positioned for growth. Meanwhile, larger alts like XRP are slowing down and scrambling to invest heavily in growth through acquisitions.

Digitap is Live NOW. Learn more about their project here:

Presale https://presale.digitap.app

Website: https://digitap.app

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