As traditional finance struggles to keep up with trends, new crypto projects are quickly taking over the banking space and disrupting global finance at an alarming pace. Users who have experienced everything from instant cross-border transactions to AI-powered financial tools can never go back to regular banking.
Here are the tokens and platforms making headlines today in the great crypto banking race of 2025.
1. Digitap ($TAP) – Borderless Banking Built for the Next Decade
Digitap ($TAP) is leading this new wave with its omni-bank model, which combines digital wallets, cross-border payments, smart budgeting, and AI financial tools all within one app.
Unlike many banking cryptos that focus purely on hype, Digitap is driving this revolution with real-world adoption from day one. It provides ordinary users and businesses with multi-currency capabilities, allows them to transact seamlessly across both fiat and crypto, and facilitates instant cross-border transactions.
It brings their money into the 21st century and lets them access all forms of value from a single dashboard. Gone are the days of siloed systems—thanks to Digitap, all value lives, flows, and moves from a unified interface. $TAP is the native token, and with 50% of profits used for burning the token, $TAP is one of the rare altcoins where the product’s success and adoption are directly tied to the token. Holders can also stake it for 124% APR currently and enjoy VIP perks on the app, including boosted cashback rewards.
Digitap’s presale is advancing rapidly, with $TAP currently priced at $0.0125 and set to climb to $0.0159 in the second stage, meaning anyone buying today locks in a 27% gain. With rising interest and a steadily climbing token price, $TAP is quickly becoming one of the most awaited fintech tokens of 2025.
2. Ripple (XRP) – The Long-Time Cross-Border Contender
Ripple is still one of the most recognized banking cryptos in the world. Its XRP token is literally made to make international payments easier by replacing the slow and costly SWIFT transfers. It has partnerships across most major banks and financial institutions and has spent years establishing itself.
However, XRP now faces some serious regulatory battles that have made it difficult to gain momentum. As the courts clarify XRP’s legal status, it still remains a great base player in cross-border crypto settlements.
3. Stellar (XLM) – Financial Inclusion Through Open Transfers
Stellar focuses on connecting unbanked populations with fast and low-cost international payment solutions. XLM is the native token of the Stellar network and it helps with transfers between fiat currencies through decentralized nodes and anchors.
Stellar has become quite popular in regions like Latin America and Southeast Asia. It is seen as a more accessible alternative to Ripple for community development and NGO-backed pilot programs.
4. Metal Pay (MTL) – Crypto Payments for the Everyday User
Metal Pay combines banking and crypto in a mobile app that gives users peer-to-peer transfers, token swaps, and crypto-cash conversions. Users can send funds instantly to contacts using MTL.
It is less institution-focused than others on this list and has slowly built out features designed for retail use, including a debit card, direct deposit support, and banking compliance.
5. AllianceBlock (NXRA) – Bridging Traditional Finance and DeFi
AllianceBlock aims to create a regulated bridge between traditional financial institutions and decentralized technologies. Its NXRA token facilitates permissioned DeFi access for institutions looking to experiment with on-chain yield and lending.
It has built compliance tools and interoperable identity frameworks to position itself as a backend layer for the next phase of regulated crypto finance.
What Makes a Banking Crypto Worth Watching in 2025?
The most valuable banking cryptos are solving real problems. They are replacing legacy remittance systems, expanding access to mobile banking, and powering global transactions at scale. It is important to note that all these standout projects share similar key traits:
- Real-world utility beyond speculation
- Scalable infrastructure
- Clear regulatory or compliance strategy
- Community or institutional traction
- Early-stage upside or strong market positioning
Digitap checks nearly every one of these boxes. With its token price increasing as presale rounds fill, it may offer one of the most convincing opportunities heading into 2025.
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
