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Bitcoin slipping below $87,000 is the kind of price action that forces traders to start cutting risk. When ETF flows flip negative, and majors can’t hold support, the market stops rewarding momentum and flips to rewarding real value and utility.
In this environment, the only question that matters is which projects can onboard new users. In the crypto presale payments battle, Digitap ($TAP) faces off against Remittix. Which offers more utility and has a more believable path to real demand?
As the conversation moves away from tired majors and towards the next generation of payments projects, smart investors are already allocating. The best altcoins to buy in this market are those that can grow during a downturn. Digitap is increasingly a leading defensive crypto to buy now, given its live global money app.
Could $TAP be a market leader in 2026? And does it offer a safe harbour even as Bitcoin de-risks? Time to find out.
Bitcoin breaking below $100,000 was the first straw, and it has continued to plunge lower. When price slices through support after a long period of chop, it usually means more downside is on the way.
ETF flows have flipped negative, and now markets need to deal with December seasonality—profit-taking and tax-loss harvesting. The most common outcome is a grind lower that exhausts the remaining bulls.
This is why investors are getting far more selective. The old playbook in strong markets is buy the dip on majors and wait. The bear-market playbook is buy what works today.
Payments are one of the few lanes where the real world does not pause just because charts look ugly. That is where Digitap and Remittix come in.
Remittix is a payments-focused project built around a simple promise: make it easier to move value from crypto into bank accounts. This is a crypto-to-fiat settlement network aimed at cross-border transfers, with the idea that a sender can pay in crypto and the recipient receives local currency without needing to manage wallets or exchanges.
This is a strong value proposition in a bear market. Remittances are not a luxury product, and the pain point is easy to explain to retail investors. If Remittix can deliver a clean user flow—send from A to B, land as cash—and do it reliably across corridors, it could see real adoption.
The only weakness is that a narrow focus can quickly become a ceiling. In many ways, Remittix is too narrow to command an impressive multiple, while an interesting altcoin to buy in the PayFi space, Digitap outshines with its superior upside potential.
Digitap’s biggest edge is its scope. Where many payment projects try to win one slice of the stack, Digitap is positioning itself as the interface people actually live in and use daily for all their financial needs. The premise is simple: put fiat, stablecoins, and crypto into one balance, then make that balance usable everywhere—send it, swap it, and spend it without needing five different apps.
When markets are fearful, users do not want complexity. They want control. A single global money surface—where balances are visible, transfers are simple, and spending is familiar—wins trust faster than a collection of tools that only solve one problem at a time.
Digitap also adopts a utility-first approach, with its app already downloadable on iOS and Android today. The winning projects are the ones that are onboarding users right now, even when speculation dries up. Thousands of users are already spending on Digitap’s virtual non-KYC Visa cards, and Digitap’s suite of products is already improving users’ lives.
Moving money, settling across borders, and spending in the real economy all work faster thanks to Digitap and its multi-rail architecture that blends the best of both worlds. Thanks to its blockchain integrations, it can send cross-border payments in minutes, and its licensed banking partners let it leverage traditional banking rails.
The banking narrative is one of the few sectors that can grow regardless of market conditions. Stablecoins continue to grow because they solve clear problems: speed, settlement certainty, and global flexibility. The projects that package that power into a neobank-grade experience are the ones that can capture mainstream demand heading into 2026, and that’s why this crypto presale ranks as one of the most interesting altcoins to buy this year.
Digitap’s Christmas campaign is live and designed like an advent calendar. Until the 24th of December, two new offers drop every 12 hours, providing chances to secure free account upgrades, bonuses, and time-limited perks.
$TAP’s tokenomics are another key feature of this crypto presale. $TAP is an ownership layer of the platform where value is pushed back to holders. 50% of profits are used for buybacks and burns, and rewarding stakers. This will create constant buy pressure as the platform scales.
The fact that $TAP has raised over $2.5 million in the current market signals appetite for new financial infrastructure. $TAP currently trades at $0.0371 and is set to rise to $0.0383 in less than 24 hours. And there is a nearly 4X for anyone purchasing today, with the listing price set at $0.14.
Digitap has become a safe harbour for one core reason: it has delivered a live product in the payments space. It is constantly onboarding new users—especially across cross-border flows—even while majors bleed.
It aims to become the everyday money app that makes stablecoins and banking rails feel native to everyday users. In a bear market, that combination—utility, a live product, and an ownership layer—tends to thrive and could even lead the next cycle.
The simplest takeaway is that a crypto presale should be judged like a business in these conditions. Does it solve a real problem? Does the product exist? Can it keep growing? Digitap answers all these questions, which is why $TAP is a compelling crypto to buy now, even as the market is de-risking.
Discover how Digitap is unifying cash and crypto by checking out their 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.
