XRP looks exhausted and is flashing signs that a classic “death cross” might form. Momentum traders know what this means, and the 50-day moving average crossing the 200-day moving average is one of the clearest signals for a bear market starting.
Smart investors searching for altcoins to buy are staying away from XRP and focusing their attention on crypto presales in Q4. Projects that have real distribution continue to rank as the best cryptos to buy now, as investors focus on projects delivering real, tangible value.
The split is becoming clearer with old coins looking weak across the board, and new tokens weaponizing new narratives. While XRP looks ready to trade below $2, Digitap ($TAP) is crushing expectations, and some forecasts even predict this omni-bank play hitting a 100X post-launch in 2026.
XRP Flashes Death-Cross Signal
XRP’s 50-day moving average is on track to cross below the 200-day moving average. Something bulls do not want to see. Historically, this signal frontruns that short-term bullish momentum has surrendered to a longer, more bearish trend.
While a death cross doesn’t guarantee deeper losses, it does send a signal to traders and causes headlines, which in turn can lead to sell pressure. Unless momentum reverses and reverses fast, XRP will be stuck in a pattern of smaller bounces and lower lows.
The biggest problem for XRP bulls is the bloated 130 billion market cap, and the continued launch and adoption of stablecoins kill XRP’s core value proposition. In many ways, the chart just reflects this structural change. And while the cross-border trade is still alive, investors do not think it will be XRP that wins this global race.
Why Digitap Ranks Among the Best Cryptos to Buy Now for the Q4 Banking Boom
Digitap shattered $1.4 million in record time and describes itself as the world’s first omni-bank. Users enjoy a single account that treats all money the same, leaving behind the era of multiple wallets and disconnected silos. The frontend is all neobank, while the core behaves like finance software boosted by crypto rails.
It has excelled in distribution, rolling out virtual and physical Visa cards with Apple Pay and Google Pay available from day one. This brings crypto assets into the real economy, and now, with a tap of their phone, users can spend crypto anywhere. Thanks to Digitap, digital assets now ride on Visa rails. The non-KYC virtual issuance has been a big hit among whales, explaining the rapid early success of this project.
Digitap also aims to disrupt cross-border payments and create a world where money moves instantly. A big difference from the current state of cross-border payments, which cost 6.4% on average and take days to settle.
Digitap manages this via its multi-rail architecture, which settles transactions on public blockchains or established bank corridors such as SWIFT, SEPA, ACH, and Faster Payments, depending on what is faster.
Even better is that the native $TAP token accrues value. Again, very different from most altcoins to buy, which function as useless governance tokens. Digitap directs 50% of platform profits to open-market $TAP purchases. It burns half and pays out the other half to stakers. That means a deflationary flywheel, where increased usage leads to a lower token supply.
XRP’s Technicals vs. TAP’s Fundamentals
XRP’s looming death-cross is the chart pricing a shift in the fundamentals. While XRP’s promise was brilliant in 2012, more than a decade later, it still processes minimal volume. It faces serious headwinds from stablecoins that settle faster and are more cost-effective.
As stablecoin corridors deepen and get more adopted, there is less need for XRP’s ledger. Contrast this with Digitap, which is already live today and seeing thousands of users sign up for Visa cards daily. It can integrate new stablecoin-centric chains, and the interoperable approach appears to be winning.
$TAP also trades many multiples lower than XRP and is still available for just $0.0268 today. Anyone who buys today will enjoy a roughly 10% price increase when the price jumps to $0.0297 in the next round. And then finally listing at $0.14.
How Digitap’s Crypto Presale Attracted a 100X Price Forecast
In this cycle, investors want real products solving real problems. The altcoins to buy in 2025 are all focused on leveraging crypto rails to improve/disrupt existing businesses with value capture built in.
$TAP received a 100X price forecast simply because of the size of the addressable markets and the aggressive deflationary nature of the token. The tokenomics design is a large part of why it ranks among the best cryptos to buy now.
With thousands of sign-ups occurring daily, the project is already processing real volume, and all of this, despite still being a crypto presale. It is easy to see why early investors are bullish. Cross-border and digital payments see trillions in volume annually, and most are not prepared for what could happen to the $TAP price if it sees meaningful adoption.
Discover how Digitap is unifying cash and crypto by checking out their project here:
