The best crypto presale for global payments in January 2026 will be the one that becomes a money app that regular people use every day. Banking presales are crushing 2026 and seem like one of the most obvious trades given a better regulatory environment and the booming stablecoin supply.
Now the real fight is which one becomes the fastest horse in the race. The big heavyweights are Digitap ($TAP) and Remittix. Remittix is a focused remittance tool, whereas Digitap is an omni-banking platform. And this difference might be the driving force for defining upside potential.
While a tool is useful, the potential multiple for an entire banking app is likely higher. That’s why $TAP outranks RTX as the best crypto presale for global payments, crypto cards, and banking this January.
Remittix is a remittance-first product. The storyis simple: move value across borders faster and cheaper, with crypto doing the heavy lifting under the hood. Remittances are a huge part of daily life for millions of people. Families, freelancers, and small businesses are constantly moving money across borders, yet legacy rails still charge enormous fees and settle slowly.
This crypto presale is not trying to replace banking; it's just trying to fix a pain point. Users send payments in crypto, pay a flat fee, and then settle payments in local currencies to bank accounts worldwide. RTX is a solid altcoin to buy if users believe it will be able to disrupt highly contested payment corridors.
The only tradeoff is the ceiling. Remittix is a clean tool for better remittances. It should theoretically work. But compared to Digitap’s omni-banking services, it is inherently a narrower product and therefore unlikely to justify the same valuation multiple.
Digitap is going after the entire banking stack and has built the world’s first omni-bank. What is omni-banking? One app where fiat and crypto live together, where users move value without thinking about rails, and where conversion happens in the background automatically.
While crypto natives want DeFi, mainstream people just want better financial apps. And that’s the group that Digitap aims at. The app, downloadable today, wraps crypto speed and stablecoin settlement into a familiar neobank-style experience. The interface looks like banking, and the rails behave like crypto.
Digitap’s multi-rail settlement is the first time TradFi and DeFi come together. Transactions can execute on traditional banking rails through partners or on blockchains when that’s the faster option. That’s how cross-border becomes much faster and cheaper without forcing users to learn anything new—with Digitap charging less than 1% for cross-border transactions.
The Visa card is the perfect product for crypto natives who have on-chain assets. It means they can spend their cryptocurrencies with millions of merchants globally, and this feature makes crypto more like money. No more offramping, just tap to pay.
But the biggest reason $TAP ranks as a leading altcoin to buy this year is the value-capture tokenomics with Digitap allocating 50% of profits to burn $TAP and reward stakers. 2026 is all about real business models, and Digitap is a digital-first app built for the stablecoin era of banking and payments.
Most payment tokens and banking cryptos to buy now fall into a trap. They are just governance tokens attached to a good product. Digitap avoids that with the $TAP flywheel. Platform usage generates profits, profits are used to burn $TAP, supply reduces over time, and token scarcity increases.
As $TAP scales, token holders will asl benefit, and that’s why $TAP’s current price of $0.0439 looks so undervalued. With the app live, Digitap is more like a product rollout than a crypto presale, and with more than $4.3 million raised, the market is taking this project very seriously.
Set to list at $0.14 and with a price increase to $0.0454 coming in the next few days, investors who want to secure today’s price and a potential 3X move when $TAP lists will have to move fast.
The market is sick of paying for memecoins, vaporware, and layer 1s. This year, the only thing that matters is user adoption. All the most interesting altcoins to buy look like fintech products. And crypto is going back to basics: ship a good product, simplify the UX, and onboard new users.
That, and the rise of stablecoin payments, is why banking is such an obvious trade this year. Payments and banking are the real bridge to mainstream adoption. Naturally, the best cryptos to buy now are tokens that fit this narrative. Remittix is well placed, and so is Digitap.
But when compared against one another, the winner is clear. Remittix is a narrow tool, meaning the ceiling is smaller. Digitap wins this January because it’s building an entire banking stack, and that’s what will earn the bigger valuation and multiple. Anyone can download the app today, and the digital-first era of finance is already well underway.
Discover the future of crypto cards with Digitap by checking out their live Visa card project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
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