Bitcoin broke cleanly above $90,000, and risk-on sentiment has returned ahead of the December FOMC meeting. Prediction markets fully price in a 25-basis-point cut, and traders are getting ready for BTC to start moving again. Bitcoin remains the best expression of global liquidity, and as financial conditions loosen, the entire crypto complex is catching a bid.
But investors need to think of the upside. Even a push to $180,000 from these levels would only be a 2X move, while capital further out on the risk curve could realistically secure 10X returns if animal spirits return.
Smart money is starting to target early-stage banking projects, treating these PayFi projects as the most interesting altcoins to buy in 2026, especially those that benefit from the stablecoin supercycle. Digitap ($TAP) is a clear example of this trend, and its omni-banking model and live global money app are turning this crypto presale into a frontrunner for the 2026 banking bull run.
Here’s everything investors need to know.
Bitcoin Breaks Above $90K as Risk-On Returns
Bitcoin’s move back through $90,000 has all the hallmarks of a classic liquidity rebound. Rate cuts are expected to come thick and fast in 2026, with Trump’s new Fed appointee, and in that environment, BTC should crush and could start outperforming tech stocks once more.
Many long-term holders have already taken profits on the way up, meaning a higher cost basis for new buyers. This is bullish as it means less selling. Institutional buyers continue to load up on BTC via spot ETFs, and BTC looks primed to move higher. The wick to $80,000 in November looks to be the low, and now traders and investors are preparing for a positive change in the liquidity environment.
But even bulls think the best-case scenario from here is a 2X. If BTC is going to run, the real opportunity is in smaller assets with clear growth runways. 2026 will not be the year of memecoins, but the year of payments and banking platforms that lean into stablecoins.
Digitap: The World’s First Omni-Bank
Digitap’s early success as a crypto presale has already caught the attention of many investors. It has raised more than $2.3 million while the market has been in a bearish trend, and the current price of $0.0361 is soon scheduled to increase to $0.0371 in less than 48 hours.
This early momentum is a clear signal. Investors are still willing to fund new financial applications despite bearish sentiment. What happens when sentiment flips bullish? Things could start moving very fast indeed.
The core product is a live omni-banking app available on iOS and Android. Within a single interface, users can hold more than 20 fiat currencies, along with a large basket of crypto assets across multiple chains. No more juggling multiple apps, exchanges, and wallets; everything now sits within a singular global money surface.
Digitap is already issuing virtual and physical Visa cards that support Apple Pay and Google Pay. And even a privacy-focused, no-KYC virtual card option that has proven popular among whales. The vision is simple. All assets, whether stablecoins, BTC, or fiat, can be used in the real economy instantly.
But the real reason that Digitap has pulled ahead of other PayFi crypto presales is that thousands of users are already transacting, withdrawing, and spending through Digitap’s cards.
Inside Digitap’s Omni-Bank: One of the Strongest Altcoins to Buy for 2026
Digitap’s omni-bank has a multi-rail settlement engine and an account abstraction layer built in. Users can transfer funds on public blockchains or traditional rails like SWIFT, SEPA, ACH, and Faster Payments. End users don’t see any of this complexity; they simply observe their money moving in real-time.
Freelancers can now invoice global clients in stablecoins, keep part of their earnings in BTC, convert the rest to fiat, and spend via the Visa card without ever worrying about which rail is being used. For remittances, Digitap compresses the average fee from around 6.4% to below 1% and cuts settlement times from days to minutes. These are huge disruptions to enormous markets.
Cross-border payments, freelance payouts, and SME invoices represent trillions of dollars of volume annually. Any app that makes those flows faster and cheaper while delivering an accessible and familiar UX can justify a massive valuation. And that’s why Digitap is becoming one of the leading altcoins to buy heading into 2026.
The value-capture design of the $TAP token is another feature helping to drive early success. Token holders unlock higher cashback rates and other VIP perks. The token currently pays 124% APR to stakers, and Digitap will allocate 50% of profits to these rewards and burn tokens permanently. This flywheel approach makes $TAP an ownership layer and the primary point of value accrual.
BTC vs. $TAP: Is Digitap the Smarter Crypto to Buy Now?
BTC is the institutionalised macro asset with ETF plumbing and deep liquidity. But limited room for multiples at the current price. Digitap is an early-stage product with a much smaller starting valuation and direct exposure to transaction volumes, fee revenue, and stablecoin growth.
As rate cuts arrive and liquidity eases, the stablecoin supply is projected to expand aggressively into the end of the decade. Applications that make these digital dollars useful to the average person will likely drive crypto’s next growth expansion phase.
And that’s exactly what Digitap does. It wraps multiple rails and stablecoins into a single, easy-to-use account. As 2026 approaches, Digitap’s position within the broader stablecoin supercycle and its neobank-grade UX present an interesting investment opportunity and make it a leading crypto presale in the PayFi sector.
Digitap is Live NOW. Learn more about their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
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.
