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 virtu
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Author: Crypto Daily
