Meme coins are losing momentum fast. As Shiba Inu (SHIB) and Pepe (PEPE) continue to slide deeper into weekly declines, investors are reassessing where real value lies heading into 2026 and have started to reallocate their capital.
Much of that capital appears to be rotating toward early-stage fintech and banking tokens — particularly Digitap ($TAP), a crypto presale positioned as one of the most compelling altcoins to buy as we head into 2026.
The shift reflects a broader move away from hype-based tokens toward projects with clearer financial models. This is where 100x or even 1000x potential truly lies, for investors hungry for the best crypto to buy right now.
Shiba Inu’s Price Decline Signals Risk Aversion
SHIB’s long-term narrative relies heavily on community-driven momentum, but as market conditions tighten, investors appear less willing to tolerate high volatility without meaningful utility. It now trades at $0.0000590, with a weekly drop of roughly 10% — this extended decline suggests that speculative appetite is fading across the meme coin sector.
The token’s slow recovery phases also highlight liquidity gaps whenever sentiment cools. As a result, many holders are diversifying into projects with defined use cases, predictable token mechanics, and real adoption potential. Shiba Inu remains a well-known brand, but the current price action indicates that the market is demanding more than branding alone.
Another point of consideration is that it is usually early-stage tokens that offer the best returns. So even in the meme industry, projects like Shiba Inu have limited upside as late-stage entries. Even social momentum has its limits.
Pepe Coin’s Sharp Drop Compounds Meme Market Fear
Pepe has fared even worse than Shiba Inu this week. This sharper decline reinforces concerns that meme coins may struggle to sustain value during periods of risk-off conditions. PEPE has historically relied on social buzz, but its recent price pattern shows rapid sell-offs whenever retail enthusiasm dips. The token is currently priced around $0.0000550, falling nearly 20% weekly.
Many analysts suggest that without meaningful use cases or functional adoption, PEPE’s price could continue to drift lower. The lack of long-term infrastructure or revenue mechanisms makes it increasingly difficult for the token to hold investor confidence over extended periods.
As whales and short-term traders exit positions, confidence continues to erode, creating a cycle of declining volume and weaker support levels. Many traders now view PEPE’s volatility as a sign that meme assets may offer diminishing returns heading into 2026, particularly when other early-stage projects are showing stronger fundamentals and clearer long-term frameworks.
Digitap Crypto Presale Emerges As Proven Banking Protocol
In contrast to meme projects, Digitap has been growing steadily. The live omni-bank recently announced Visa integration for global payments and released working apps on iOS and Android for daily use. The app combines crypto and fiat in one zero-KYC ecosystem, allowing for withdrawals, deposits, savings, yield, and other services through one unified interface.
Its functionality further allows for global IBANs in the currency of choice, digital assets swaps via a live exchange, customized plans for businesses, invoicing, and more. Instead of having to use multiple applications, retail users and business owners can streamline all financial requirements in one platform, with ultra-low fees and limited entry barriers.
Due to these unique USPs, whales have allocated $2M to the newly launched crypto presale, featuring a token that retails at an 80% discount compared to its confirmed listing price of $0.14, and offers a 124% staking APY in the meantime. The project further allocates 50% of platform profits to burns and staking rewards, giving $TAP holders long-term value flow tied to user activity.
Crypto presales like Digitap also have an added advantage in terms of tokenomics and tiered pricing. At each round, the $TAP price will rise incrementally, making it immune to wider market downturns. So it can appreciate even during bear markets.
This safety net is independent of its price potential once it lists on an exchange — another reason why banking presales are being favored in comparison to meme ecosystems.
Why This Shift to Banking Tokens Matters
The decline of Shiba Inu and Pepe highlights a widening gap between speculative assets and crypto presales offering real-world financial relevance. Banking tokens like Digitap appeal because they address daily needs — fast payments, simple transfers, and integrated financial tools — which gives them more resilience when market sentiment weakens.
Early presale pricing offers additional upside, making these tokens top altcoins to buy compared to narrative-driven asset classes. As investors begin prioritizing utility and user growth, $TAP is emerging as a standout crypto to buy before broader market attention turns toward functional banking protocols.
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This article contains information about a cryptocurrency presale. Crypto Economy is not associated with the project. As with any initiative within the crypto ecosystem, we encourage users to do their own research before participating, carefully considering both the potential and the risks involved. This content is for informational purposes only and does not constitute investment advice.
