Crypto is puking, and investors are scrambling to exit speculative positions and buy real value. BTC is trading well below $90,000, ETH has lost $3,000, and XRP has dropped below $2. Large caps are dying, and liquidity looks thin into year-end.
However, the race to buy crypto presales for 2026 is only just starting. Banking-focused altcoins specifically look very attractive in the current environment. Even in a downturn, markets pay well for things that work: payments, transfers, fee compression, and products that onboard new users. Almost all the leading altcoins to buy are in the PayFi sector and are fintech-esque tokens.
Digitap ($TAP) is a prime example. It has raised more than $2.4 million, and the trade is simple. An early-stage omni-banking app with real-world payment utility and a token model designed to reward holding. When fear replaces momentum, tokens like $TAP shine. Could it be the leading crypto to buy now heading into 2026? Here is everything investors need to know.
XRP at $1.90: Great Thesis Poor Execution
XRP has been trading down since July this year, with barely any relief. While it was the first crypto to focus explicitly on payments, specifically cross-border payments, it has lost the race to stablecoins.
The original mission of faster and cheaper settlement solves a clear, real-world issue. But adoption has been slow, and Ripple, despite its long list of partnerships, executes minimal volume on its ledger. And in a market-wide drawdown, XRP is not safe.
When the bear market arrives, investors begin prioritizing cash-flow mechanics and supply over momentum. XRP’s chart displays the behaviour playing out in real time. XRP was certainly ahead of its time, but with the growing adoption of stablecoins, it increasingly looks massively overvalued.
Digitap’s Crypto Presale: Built for the Bear Market
Digitap has quickly emerged as one of the most interesting altcoins to buy, and this global money app unlocks stablecoin rails for regular people through a familiar neobank interface. And the utility-first approach is working in the bear market.
The entire design focuses on value capture. Digitap allocates 50% of profits to token burns and rewarding stakers. This buyback-and-burn dynamic means platform growth feeds token strength. The product is live today, and anyone can download the app before becoming an investor.
The omni-banking app lets users hold fiat and crypto together and swap seamlessly between the two. No more juggling multiple wallets, exchanges, and cards across separate apps. And in bear markets, products do all the talking. The Visa card already has thousands of users, and more than 120,000 wallets have connected to the Digitap site.
Users have flexibility with a lighter-touch, no-KYC wallet tier and a higher-trust path for those who want more services, such as offshore banking. This approach unlocks compliance as regulation tightens. Put together, and $TAP is becoming an obvious hedge against the ongoing bear market. A payments-driven app with an ownership token—easily one of the best cryptos to buy now for anyone bullish on banking next year.
Digitap’s 12 Days of Christmas Sale Live Now
Digitap’s Christmas Sale is also live now with two new offers dropping per day until the 24th. Offers last for 12 hours and cover everything from enormous $TAP token purchase bonuses to free account upgrades.
On the 24th, 25th, and 26th, there will be a three-day finale with super high-value offers available. And while crypto suffers in the bear market, the Digitap team is extending offers to all buyers, and this has massively boosted presale participation.
$TAP is currently trading at $0.0371 but will jump to $0.0383 in less than 3 days, and still trades at a massive discount to its confirmed listing price of $0.14.
$TAP vs. XRP: Which is the Best Crypto to Buy Now for 2026 Banking Bull Run?
XRP proved that solving cross-border payments would create enormous value. $TAP is leveraging stablecoin rails and traditional banking rails to solve that problem, but starting with the consumer first. And that’s why this crypto presale is beating XRP as an altcoin to buy for banking exposure next year.
Digitap is an early-stage PayFi product with a token that accrues value. In a bear market, this makes all the difference, and a token linked to usage with a fixed supply will always win. Traders are not chasing momentum but looking for value, and the best altcoins to buy are those solving real problems and attracting real users.
The reason $TAP looks like the best crypto to buy now in the final weeks of 2025 is that stablecoin supply will continue to increase in 2026, and Digitap is the first application making these digital dollars easily accessible and usable for regular users.
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.
