Stablecoin adoption is going well beyond what anyone expected, and 2025 truly marks the golden age of digital dollars.

Western Union is piloting stablecoin settlements on Solana to cut costs and speed up cross-border transfers for its 150 million customers.

The world’s largest remittance incumbent is now using stablecoins. The product-market fit is clear, and a host of leaner, more disruptive startups are ready to eat market share.

While Western Union is testing the water, Digitap ($TAP) is already swimming out ahead. It has shipped its omni-banking app, a non-KYC Visa card, and has integrated Apple Pay and Google Pay.

All while still in its presale. Anyone looking for the best altcoin to buy today needs to put $TAP on their list because this is where crypto rails meet everyday finance. 

Western Union begins the pivot

On Western Union’s Q3 call, CEO Devin McGranahan framed the pilot.

He believes (and is right) that by using stablecoins on Solana, Western Union can move money faster with greater transparency, at a lower cost, and bypass legacy correspondent networks.

If the market leader in remittances is adopting stablecoins, it is proof that the banking boom thesis is likely the dominant narrative of 2025.

On-chain rails for the back end, while consumers continue to use Western Union branches like normal—hopefully with lower costs.

The timing is perfect, following the passage of the GENIUS Act, and this is rocket fuel for projects working on payments and consumer-facing apps. The exact spot where Digitap is building. 

The new playbook: Why omni-banking beats single chains

Last year, nobody knew which chain would win the payments race. But it was the wrong question. The real question is: who owns the consumers, and who has the best distribution channels?

Digitap has pioneered the omni-banking model, which means one login, one balance display, and all forms of value (fiat, crypto, and stablecoins) under a single account. This is how stablecoins begin to function like money for normal people.

Users don’t need to know anything about blockchains; they log in to a neobank-style interface and watch their money move faster than ever.

The ability to plug into all rails (legacy and blockchain) is Digitap’s superpower. As new, faster solutions for transfers such as Plasma come online, Digitap’s omni-bank model allows them to be integrated.

That’s why $TAP ranks among the best altcoins to buy today—when everyone went after scaling, it went after the consumer, focusing on distribution instead of chain maximalism.

Digitap’s distribution edge: Non-KYC Visa card plus Apple Pay and Google Pay

At the end of the day, distribution wins. Digitap’s decision to issue Visa cards (available today) that can be added to Apple Pay and Google Pay means on-chain balances are already being spent with millions of merchants globally.

Users tap their phone, the AI routing engine handles the conversion, and crypto now lives in the real economy.

For privacy-sensitive users, Digitap offers non-KYC virtual issuance.

And as the privacy narrative heats up again, with tokens like Zcash performing well, this has seen plenty of whales join the presale, sending total raised to more than $1.2 million in record time. 

The app is live on desktop, iOS, and Android, and thousands of new sign-ups are hitting the system daily.

Presale demand continues to accelerate, and with Western Union giving the green light, the crypto banking boom is just beginning. 

Western Union starts banking boom: Why $TAP could be the best altcoin to buy today

Western Union adopting stablecoins validates the crypto banking boom thesis. The big problem for retail is that they cannot get exposure to stablecoins.

But now, with Digitap, they can gain exposure to the front end, disrupting the entire banking experience.

Even better, holders of the native $TAP token enjoy buybacks and staking rewards, with 50% of Digitap’s profits allocated to supporting users and the token’s price.

The current price of $0.0268 looks undervalued, and when Western Union starts adjusting course, it confirms that upside for disruptors will be enormous as incumbents modernize.

But investors who want to become early Digitap adopters will have to move fast because $TAP will rise to $0.0297 in the next round, which could begin in a matter of days. 

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

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