As SWIFT launches a global initiative to revolutionize cross-border retail payments, the XRP price and XLM price are poised to skyrocket. Joining this list of the best altcoins to buy is Digitap ($TAP), the world’s first omni-bank. Combining bank-grade security and the familiarity of traditional banks with the flexibility of crypto, it is at the forefront of the PayFi revolution.
How High Can the XRP Price Soar This Year?
Recent price actions have been underwhelming, marked by a 9% dip in the XRP price in the past seven days. The payment-based altcoin trades around $2.70 after dropping from its weekly high of $3.0.
However, the recent news about a global initiative by SWIFT to revolutionize cross-border retail payments could spark an uptrend in the XRP price. The XRP Ledger, popular for its low cost and transaction settlement speed, also features custom tokenization capabilities.
Flipping its 2021 all-time high of $3.84 might be the start of its big leap this cycle, with experts making even bolder XRP price predictions. RipBullWinkle, a top analyst, has upside targets of $4.17 and $5.85, placing it among the altcoins to watch.
Can the XLM Price Surpass $3?
The XLM price reached $0.93 during the 2018 bull cycle. However, according to CoinMarketCap, it has declined by 62%, currently hovering around $0.35. Also, recent price actions have been unimpressive—a 10% dip on the weekly timeframe.
However, with news of a new global initiative by SWIFT to streamline cross-border retail payment, Stellar’s fast and scalable financial blockchain could be adopted. Rising adoption is expected to propel the XLM price upward, positioning it among the best altcoins to buy now.
ChartNerdTA, holding a bullish stance, predicts a rally between $1.50 and $3.30. Teeming with potential, experts consider it a good crypto to buy at the current XLM price—a promising wave worth riding.
$XLM will tap out between the $1.50/$3.30 mark this cycle 🫡 pic.twitter.com/PoCfJVraqW
— 🇬🇧 ChartNerd 📊 (@ChartNerdTA) September 24, 2025
Digitap ($TAP): Revolutionizing the Cross-Border Payments Industry
Digitap’s ($TAP) innovative solution within the cross-border payments market has captured the attention of industry experts. Putting the world’s money in users’ pockets, it offers the flexibility to move, manage, and multiply funds across currencies, blockchains, and borders.
By merging the ease of crypto with the reliability of traditional banking, experts believe it will be the last money app users will ever need. It further stands out with its instant, global transfers with near-zero fees, edging out popular payment platforms, which are slow, complex, and expensive to use.
Blurring the line between cash and crypto, users can hold multiple assets and spend from one unified balance—the world’s first omni-bank. As it approaches mainstream adoption, it is a more compelling alternative than XRP and XLM due to its smaller market cap.
For Info about $TAP, visit Digitap.app Presale or Join the Community
XRP, XLM, and Digitap – The Next Cryptos to Explode
With cross-border payments rapidly growing, the XRP and XLM prices are on track to surge. However, a more promising alternative is Digitap, a low-cap coin within the same industry.
Priced at $0.0125, analysts have listed it among the best crypto presales with 100x potential. Ahead of the increase to $0.0159 in the second round, investors have been accumulating, buying more than 21 million tokens.
Discover how Digitap is unifying cash and crypto by checking out their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
