XRP opted for the banks-first approach with a long list of impressive partnerships. But a decade later, and no meaningful volume executed has seen a new cohort rise up. Consumers-first is how the new projects are positioning themselves. Stablecoins own the cross-border narrative, and Ripple is being pushed out of the spotlight.
The project that turns these digital dollars into everyday money will take the crown. Here’s the 2025 ranking for ‘XRP Killers’—and why Digitap ($TAP) sits on top.
1. Digitap ($TAP)—The world’s first omni-bank with Visa, Apple Pay, and Google Pay live.
2. Stellar (XLM)—A cross-border network with steady enterprise integrations.
3. Remittix (RTX)—A remittance-focused newcomer aiming to bring stablecoin flows into everyday payouts.
Why XRP Never Worked
XRP always targeted correspondent banking, not consumers. The story sounded incredible a decade ago, but stablecoins have changed the game. Dollar-pegged assets that run on faster rails than the XRP ledger with broader distribution. XRP’s vision has failed, but the cross-border payment disruption trade is still very much open.
But in 2025, adoption matters, and the products that make digital dollars usable in ordinary life will be the biggest winners.
1) Digitap ($TAP): World’s First Omni-Bank with Growing Distribution
Digitap is built to make every form of money behave the same. No more siloes, no more juggling multiple accounts, just all forms of value together on a single interface. Fiat, stablecoins, and crypto sit inside a single balance, and thousands of users have downloaded the app today and are using it to send funds.
In many ways, Digitap is an interoperability layer that stitches money together. Blockchain networks and established legacy banking systems are included in the multi-rail design, meaning money can truly travel on any system. Digitaps’ AI system optimizes for speed and cost whenever a user presses send, swap, or convert.
But the reason this presale has shot past $1 million raised is that its access layer and distribution are already switched on. Digitap has partnered with Visa to roll out physical and virtual cards with support for Apple Pay and Google Pay.
Whether users want to send money to a different country or use crypto to pay for an espresso in a local cafe, everything is possible with Digitap.
Users can convert crypto to fiat instantly in the app, and cross-border payments have gone from taking days and costing on average 6.2% to arriving in minutes, costing less than 1%. Digitap is disrupting multiple trillion-dollar industries at once, and easily ranks among the best cryptos to buy now.
At the center is the native $TAP token. It has a fixed 2 billion supply, which will constantly decline thanks to 50% of platform profits used for buybacks and burns. The current price of $0.0194 won’t last long, with a 38% jump coming in the next stage, where $TAP will sell for $0.0268.
Ranked against all its competitors, Digitap appears to be the most legitimate XRP killer given its nature as an interoperability layer and sleek neobank-esque user experience.
2) Stellar (XLM): Steady Institutional Adoption
Stellar has been in the market for a long time, focusing on cross-border payments. It uses its Anchor model and has been adopted by NGOs globally with some success.
Its design is compliant, and Stellar should also benefit from the growth of stablecoins. The trade-off investors face is that Stellar already has a bloated valuation of nearly $10 billion, and the XLM token does not capture any value.
While Stellar’s services have a good chance of displacing XRP, the XLM token is not meaningfully tied to revenue. And the path to large multiples would require serious step changes from Stellar, such as new anchors in major remittance corridors.
3) Remittix: Crypto-to-Fiat Payments
Remittix is a clean and narrow-focused play on remittances. Send crypto and receive cash in bank accounts. Quick settlements with cash-outs in local currencies. It used a fixed fee of 1% for crypto-to-fiat transfers, which beats the current cross-border average of 6.2%.
The big challenge for Remittix will be operational. Each local payout partner will need to be approved in each jurisdiction. If Remittix manages this regulatory hurdle and absorbs corridor volume, it could be a solid play. But again, like XLM, value capture for token holders is minimal.
Why Digitap Ranks Number 1
Digitap is the most expansive play as an omni-bank. It serves the cross-border payments vertical and then adds banking on top. The three central reasons Digitap ranks first among XRP killers are that its application is already live, and distribution is ongoing with its Visa card.
Second, it uses a multi-rail architecture and can adopt stablecoin-centric chains as they come online—the same cannot be said for Stellar, which is threatened by them. Finally, $TAP’s tokenomics design ensures that if the platform succeeds, token holders share in this success.
Discover the future of crypto cards with Digitap by checking out their live Visa card project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Disclaimer: This is a sponsored press release and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.
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