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Ethereum struggling to hold above $3,000 line while a small banking-focused crypto presale like Digitap ($TAP) climbs more than 170% is a blunt indicator of where the next leg of growth comes from.
Despite Tom Lee’s best efforts to amass roughly 3% of ETH’s total supply in a very short time frame, ETH still looks weak. Markets seem to be rerating layer 1s, and value looks ready to flow to the application layer.
App-layer banking tokens are quietly absorbing fresh capital and look like the most interesting altcoins to buy for the 2026 window. As investors look for products that will onboard the next cohort of users, Digitap is becoming a leading crypto to buy now for investors who want exposure to the stablecoin-and-payments trade.
Ethereum is the king of DeFi, home to the majority of crypto stablecoins, and the base layer for an entire ecosystem of roll-ups and layer 2s built on top. Tom Lee’s aggressive accumulation is evident in the chart, driving ETH to $4,900 in August. And since ETH is down close to 40%. While an argument can be made that institutions will treat Ethereum as the internet’s financial backbone, investors need to consider its current valuation.
ETH is valued at $364 billion currently, and for reference, China’s third-largest company, Alibaba, is valued at $377 billion. Investors can love the Ethereum network and hate the ETH asset. There is confusion as to who the marginal buyer of ETH is at these levels, and more broadly, layer 1s are being repriced across the board.
Demand is ramping up for applications, and investors are pivoting from layer 1s (blockspace providers) to projects utilizing said blockspace. And that’s why, even as ETH looks ready to break below $3,000, crypto presales are flying, and Digitap is a prime example.
Digitap is the world’s first omni-bank: a single account where fiat, stablecoins, and crypto coexist in one unified balance. The app is already live on iOS and Android and, at first glance, looks like any modern neobank. Under the hood, however, it is wired very differently. Users can hold more than 20 fiat currencies and over 100 crypto assets across multiple chains.
The single strongest narrative this cycle has been stablecoins. The current U.S. administration is openly talking about a $3 trillion stablecoin supply by the end of the decade. These digital dollars are going to become the new global payment corridor, and Digitap is building an app that allows anyone to access these new payment rails.
Digitap is bringing the fastest way to move value to non-crypto natives while also building a product suite for crypto users, such as its Visa card. The reason PayFi tokens are the leading altcoins to buy in 2026 is that they solve real issues faced by millions, if not billions, of users today: remittances, digital nomad income, cross-border salaries, and small-business payouts. Stablecoins can solve all these issues.
Digitap is the UX wrapper to get these digital dollars into ordinary people’s hands, and when it comes to onboarding potential $TAP easily ranks as a leading crypto to buy now. And this is the type of application that could onboard the next generation into crypto—and many users might not even know they are using blockchain rails to transact.
$TAP has a powerful flywheel design that aims to support and grow the token’s value. Its current price of $0.0361 looks very undervalued, but investors will have to act fast if they want to lock in today’s price, as the price is expected to rise to $0.0371 in less than a week.
50% of platform profits are directed towards rewarding stakers and permanent token burns. Long-term holders can earn yield from staking, currently 124% APR for presale buyers, and the token burn means a constantly shrinking supply. This burn mechanism has already been employed by some of this cycle’s most successful tokens, such as Hyperliquid.
And most importantly, Digitap has an enormous addressable market and plenty of room to grow.
ETH will always be a top crypto to buy now for anyone long-term bullish on crypto. But when it comes to making maximum returns in 2026, there are plenty of better options than buying ETH at these levels. Digitap is likely one of those options, and its accelerating rollout is why it ranks among the most interesting altcoins to buy as 2025 draws to a close.
It has an enormous potential user base, can disrupt remittances, and the token accrues value as the platform expands. There are 1.4 billion underbanked adults globally, and pair that with the shift towards digital-first and a growing stablecoin supply, and Digitap looks like a high-torque fintech bet heading into next year.
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.
