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Bitcoin’s price action is starting to look eerily familiar. After hitting a new ATH in early October, BTC has rolled over hard, with on-chain metrics now resembling the early stages of the 2022 bear market.
Analysts are discussing bear flags and forced sellers, with some targeting a move down to the $60,000s. Macro remains the driver, and every shock is hitting BTC first. But even as the market flips bearish, banking-focused crypto presale projects like Digitap ($TAP) continue to attract capital.
Payments and banking demand do not disappear just because charts look ugly. As majors roll over, the market is starting to treat Digitap as one of the most interesting altcoins to buy and a token that could actually benefit from a bear market. Now is the time to position ahead of 2026, and $TAP might just be the standout crypto to buy now in the payments lane.
Time to dive into BTC’s recent price action and the rampant growth of PayFi.
Today’s market structure tracks 2022. On-chain data shows long-term holders beginning to sell into strength, funding conditions are tightening, and perp positioning has flipped from bullish to defensive.
In 2022, that cocktail started a long, slow macro-driven downtrend. The concern now is similar. BTC looks vulnerable to a slow bleed, and macro is not helping. Rate expectations keep whipsawing, equities look like they might have locally topped for several months, and ETFs have begun selling. If the bears are right, a test of the high-$60,000s could be coming next year.
The real question is what cryptos can survive a big BTC drawdown. What are the best cryptos to buy now if a bear market is starting? Crypto presales present an interesting option because they offer fixed-price raises (avoiding volatility) and increasingly products aimed at real-world use, making them much more market-agnostic.
The central problem with chasing large-caps here is that they are tied to flows. When ETF inflows slow and macro risk appetite fades, BTC and ETH struggle, no matter how compelling their long-term narratives are.
In contrast, payments and banking live in a different world. Global commerce does not pause because Bitcoin retraces. Wages still get paid, remittances still move, and cross-border invoices still need to be settled. That is where PayFi sits.
Crypto’s cleanest product-market fit is stable, predictable value transfer across borders. Stablecoins are becoming one of the most important pieces of financial plumbing, and any application that makes them easier for ordinary people to use has enormous upside potential in the coming months.
Digitap is built exactly for that world. It treats crypto as a faster set of rails and wraps them in a familiar banking experience. If the next 12 months are a bear market and BTC revisits $68,000, this crypto presale could be one of the best hedges.
Digitap has built the world’s first omni-bank—one account that brings together fiat, stablecoins, and crypto in a digital-first interface. The team has combined all forms of value into one app, let users switch between them in seconds, and hidden the underlying complexity.
The global money app is already live on iOS and Android today, supporting multi-currency fiat balances alongside a large basket of crypto assets. But the real unlock is how Digitap moves value. Its multi-rail design enables payments across public blockchains and legacy payment rails, continuously optimizing for speed and cost.
This is what makes the Digitap crypto presale interesting in a bear market. The use case does not depend on BTC making new highs. Freelancers still need to invoice across borders. Underbanked users with weak fiat currencies still need dollar access. Families still need to send remittances home. Digitap gives them a single app to receive, convert, and spend, as well as a Visa card that lets on-chain balances be spent at millions of merchants worldwide.
The Visa card rollout has pushed Digitap’s raise past $2.3 million, and this crypto presale is not a future product—it is already live today. Thousands of users are already paying with the Visa card, sending transactions across borders, and this is what makes $TAP one of the most interesting altcoins to buy this year.
If Bitcoin does revisit the high-$60,000s, speculative appetite will rapidly rotate out of majors, especially layer 1s, and likely target projects solving real economic problems. Bear markets always reward utility, and a live banking-focused crypto presale with visible users would shine in this environment.
One of the reasons $TAP ranks as a leading crypto to buy now is its token flywheel: 50% of profits are channeled into token burns and staking rewards. As Digitap increases its revenue, it will push more value into the token and to token holders. And the current price of $0.0361, jumping to $0.0371 in less than a week, is looking very undervalued.
Payments and banking are market-agnostic, and as traditional systems experience more stress, the more attractive crypto-accelerated alternatives become. Add the fact that BTC could be entering a bear market, and banking apps tied to stablecoin rails like Digitap are the obvious candidates for the best cryptos to buy now.
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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Disclaimer: Analytics Insight does not provide financial advice or guidance on cryptocurrencies and stocks. Also note that the cryptocurrencies mentioned/listed on the website could potentially be scams, i.e. designed to induce you to invest financial resources that may be lost forever and not be recoverable once investments are made. This article is provided for informational purposes and does not constitute investment advice. You are responsible for conducting your own research (DYOR) before making any investments. Read more about the financial risks involved here.
