Digitap ($TAP), a crypto banking and payments platform, is generating significant interest during its January 2026 presale, with investors drawing parallels to the early growth phases of major assets like XRP and Solana. The project has reportedly raised over $3.2 million to date, positioning itself as a utility-focused alternative in a market increasingly attentive to real-world applications.
The narrative around Digitap is heavily influenced by the historical journey of XRP. Analysts recall when XRP traded around $0.10 amid intense regulatory pressure from the SEC, with many dismissing its potential. Ripple CEO Brad Garlinghouse's statement following the legal resolution—"The SEC was wrong as a matter of law, and XRP is not a security"—is cited as a pivotal moment that repriced the asset. Ripple CTO David Schwartz's emphasis on the XRP Ledger's speed and capital efficiency is highlighted as a foundational advantage that aligns with current market obsessions with payments and regulatory survivability.
Digitap aims to build on this legacy but evolves it for modern consumer banking. The platform offers a unified environment for holding cash and crypto, instant conversion, global fund transfers via SWIFT, SEPA, and blockchain rails, and spending in over 180 countries through Visa-enabled cards. A key feature is the automatic conversion of received crypto into fiat to protect against volatility, targeting freelancers, businesses, and everyday users.
Token economics are a central selling point. The $TAP token has a permanently capped supply of 2 billion. Platform revenue fuels a continuous buyback-and-burn mechanism, creating a deflationary model. Staking offers up to 124% APY, positioning it as a yield-generating asset. The presale is structured, with the token currently priced around $0.0399 and a defined listing target of $0.14.
Simultaneously, comparisons are being made to Solana (SOL), currently trading around $122. While SOL is seen as a benchmark for broad crypto market exposure and infrastructure, Digitap is positioned as an application-layer project focused on payments and stablecoin utility. Its multi-rail design that connects traditional banking with blockchain settlement is noted as a key differentiator, aiming to reduce technical complexity for a wider user base.
The platform already supports over 100,000 connected wallets and operates with regulated financial partners, emphasizing live functionality over future promises. A New Year promotional campaign with rotating daily offers is underway to boost user engagement.
