The cryptocurrency ecosystem continues to create new industries that provide superior use cases for users. One of the fastest-growing industries is crypto banking. A handful of altcoins are pioneering how digital assets can blend with traditional finance.

The list below highlights the top five altcoins to buy that have direct exposure to the crypto banking industry. Each project offers a unique way of bridging crypto with banking services. At the top of the list is Digitap ($TAP), a crypto presale project that enables crypto spending with Visa cards.

The list includes:

1. Digitap ($TAP): The crypto “omni-bank” with Visa integration.

2. Ripple (XRP): Enterprise cross-border payments leader.

3. Stellar (XLM): Remittances and inclusive banking.

4. Quant (QNT): Connecting banks to blockchain.

5. Cronos (CRO): Crypto.com’s global crypto card.

Digitap’s Omni-Bank App Blends Fiat, Crypto, And Cards

Digitap is the project behind the world’s first globally available “omni-bank.” Digitap’s banking app is already live and available on iOS and Android devices, as well as through a web browser.

The fintech app provides traditional fiat banking services alongside crypto features in a single app. This includes offshore foreign-exchange fiat accounts, high-yield savings accounts, global money transfers, and a crypto wallet supporting more than 100 tokens.

Digitap’s standout feature is the recent addition of a Visa debit card. The card is available to all users and funded through their Digitap balance. Digitap’s AI software scans for the cheapest way to automate the swap process at the time of each transaction whenever crypo is used.

There are many rival “crypto cards” on the market, but they typically require balances to be loaded in fiat. Digitap stands out as the best crypto to buy in the banking space, as automated swaps at the time of purchase reduce friction and avoid unnecessary pre-selling during volatile markets.

Why Digitap’s Visa Deal And Presale Support Long-Term Upside

Digitap’s crypto presale of its native $TAP reinforces its status as a highly desirable altcoin to buy. The presale started in late summer at an initial price of $0.0125. The funding round is structured in stages, with the value of $TAP increasing after each round is completed or sold out.

The value of $TAP has inched higher after each round to its current price of $0.0439. More than 120,000 wallets have connected with the presale, with Digitap selling nearly 200 million tokens and raising $4.3 million.

Part of the early success is attributed to Visa’s role, which gives the project instant exposure to an existing global payments network. This is a major advantage compared with building experimental infrastructure from scratch, which is both complex and costly.

With Visa accepted at more than 80 million merchants worldwide, the card allows Digitap users to spend crypto anywhere traditional debit and credit cards are used. This significantly reduces barriers to real-world adoption, as Digitap’s AI-powered software handles the complexity in the background.

XRP Helps Banks Settle Cross-Border Payments In Seconds

Ripple’s XRP is one of the original crypto banking solutions and is best known for its mission to streamline international bank transfers. Ripple’s payment network, RippleNet, is used by financial institutions such as Santander and SBI Holdings to facilitate cross-border transactions.

By using XRP as a bridge currency, banks can settle transactions within seconds, often for fractions of a penny in fees.

In 2025, Ripple launched its U.S. dollar stablecoin on the XRP Ledger, known as RLUSD. The stablecoin is integrated with XRP and provides additional liquidity for banks and exchanges.

How Stellar And MoneyGram Target Low-Cost Global Remittances

Stellar is a major player in the remittances industry and has forged a partnership with MoneyGram initially in Colombia, using Stellar and Circle’s USDC stablecoin. A mobile app was expanded to more countries and allows users to receive remittances in USDC on Stellar, which can then be held, spent, or cashed out through MoneyGram’s network.

Stellar’s network is known for fast settlement times of up to five seconds. It is well-suited for micropayments and transfers in emerging markets such as Latin America and Africa.

Quant’s Overledger Connects Banks To Multiple Blockchains

Quant is a unique altcoin in the banking sector as it targets the backend infrastructure that banks and financial institutions use to interface with blockchains. Quant’s Overledger technology enables public and private blockchains, as well as legacy systems, to connect seamlessly.

Quant has worked with the Bank of England on digital currency trials and has been involved in the European Central Bank’s digital euro pilot. While relatively less known, its interoperability layer could become critical if major banks and central banks increasingly rely on blockchain technology behind the scenes.

Why Fiat-Loaded Crypto.com Card Still Falls Short On True Utility

Crypto.com is one of the world’s largest crypto brokers and offers one of the most widely used crypto debit cards globally. The Crypto.com Visa Card allows users to spend funds anywhere Visa cards are accepted. Different card tiers are available by staking and locking up the native CRO token for at least six months.

However, the card must be loaded with fiat, meaning it does not fully solve the problem of making crypto spendable in everyday life. Users must sell crypto upfront to fund the card, which can expose them to poor timing and opportunity costs if prices rise afterward.

Digitap’s Banking Stack Backs Its Role As Best Crypto To Buy

Each of the five altcoins to buy addresses a different layer of the crypto banking stack, ranging from backend infrastructure to cross-border settlement and consumer-facing payment cards.

Digitap stands out as the top crypto to buy in the banking space because it offers a single, user-facing banking experience. By combining fiat accounts, global transfers, crypto wallets, and a Visa card, the app removes many of the friction points that still limit everyday crypto usage.

Digitap’s all-in-one approach, alongside a successful crypto presale and broad investor participation, explains why it is emerging as one of the most compelling crypto banking plays.

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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