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The financial sector has reached a turning point where payment finance (PayFi) is no longer a theoretical concept. It has grown rapidly to become a multi-billion-dollar reality. While large-cap tokens offer a strong foundation for the market, the "multiplier" growth is concentrated in the payment and banking infrastructure sector.
Leading the market shift is Digitap ($TAP), an omni-bank ecosystem that makes crypto easy to spend in the real world like cash. It has resolved the fragmentation issue that has slowed crypto’s mass adoption rate. Digitap incorporates decentralized assets and traditional banking rails into a single, high-performance interface.
In Q1 2026, a group of crypto presales in the banking sector is outpacing the general market. These three projects are delivering tools that people use to manage daily transactions. Thus, they are helping turn digital assets into spendable, real-world utility.
Digitap ($TAP): The Omni-Bank Powerhouse
Remittix ($RTX): Solving the Global Remittance Crisis
BlockchainFX ($BFX): The Licensed Multi-Asset Super App
Digitap is thriving as the best altcoin to buy in 2026 because it makes crypto simple to use. The project has proven that simplicity is the ultimate form of advancement. Notably, Digitap enables users to hold crypto, stablecoins, and fiat in one place, helping remove the tedious, multi-step processes of the past.
The project has raised more than $4.3 million, with at least 120,000 wallets already connected to its dashboard. This impressive adoption rate at its crypto presale stage is underpinned by Digitap’s "Live Now" status. Through the fully operational apps on iOS and Android, users are accessing multi-currency IBANs and global transfer fees at below 1%.
Additionally, Digitap announced that users are now able to top up their accounts using Solana (SOL). Investors consider this a strategic move to grow its user base. The Solana integration enables one of the most active crypto communities to merge their wealth directly into Digitap’s banking ecosystem.
Digitap is quickly becoming the main financial hub for high-speed blockchain generation by making SOL spendable at over 80 million Visa-linked merchant locations. With $TAP serving as the main token in the Digitap network, the utility makes it a good crypto to buy.
While Digitap builds infrastructure that offers an all-in-one banking experience, Remittix has found its specific niche. The crypto presale is building infrastructure with the $800 billion global remittance sector in mind. For many years, families sending money across borders have had to put up with exorbitant fees and delays that lasted for days.
Remittix has found solutions to these problems. It uses blockchain technology to settle cross-border transactions in seconds. Moreover, it charges a small fraction of the cost incurred when using traditional services.
Remittix is crushing many of its presale targets in Q1 2026 because it offers a beta-ready wallet being tested in a few corridors across the Global South. The project appeals to investors since its utility is defensive; people must send money irrespective of market conditions.
The consistent real-world demand builds a utility floor for the token, making $RTX one of the best cryptos to buy. However, Digitap outshines it because it operates as a global general-purpose financial system. The operation model gives $TAP a large user base, many adoption pathways, and multiple use cases.
Another project ranking close to Digitap is BlockchainFX. The project is redefining the trading space with a "Super App". While most of the established exchanges restrict users to trading digital assets, BlockchainFX has achieved a rare milestone. It is building a hybrid trading and financial platform that merges crypto, forex, commodities, and traditional assets onto one platform.
Its vision is quite ambitious and makes sense to investors who want widespread market exposure. BlockchainFX has invested funds into liquidity access, infrastructure, and multi-asset trading capabilities. These components are highly appealing to investors in the 2026 bull market.
Nonetheless, this strategy could slow adoption rates. Platforms that focus on trading cater to a small user base, and they heavily depend on market activity to thrive. While BlockchainFX may become dominant during high-volume periods, its day-to-day relevance for non-traders is minimal.
BlockchainFX caters to the "professional" side of the 2026 banking bull cycle. However, it serves a small portion of the market, made up of traders. $TAP outpaces it to become the best crypto to buy because its omni-bank ecosystem is built to make crypto spendable for everyone.
The banking crypto presales are "crushing" Q1 due to their utilities and huge growth potential. Mature assets may be stable, but they need billions of dollars in new capital just to see their prices gain by 10%.
On the contrary, Digitap, Remittix, and BlockchainFX are in their presales, considered as the high-growth phases. They do not need billions to see their prices record multiplier growth. BlockchainFX thrives strongly in multi-asset access, while Remittix targets one high-demand use case for cross-border remittances. On the other hand, Digitap integrates daily financial behavior into a single platform.
History has proven that platforms supporting users’ transactions entirely outperform in the long run. They create stronger network effects, recurring usage, and resilient tokenomics. In that context, Digitap’s structure aligns with this pattern.
Putting everything into consideration, it means Digitap is better positioned to operate as a default financial layer. It is not built as a supplementary tool like BlockchainFX or Remittix.
Digitap has raised over $4.3 million in early funding. It appeals to most buyers because of its omni-bank model that offers early-stage utility.
Currently, $TAP’s crypto presale is selling at $0.0439, a low entry price for a project with such a huge real-world utility. The valuation explains why investors are buying the token rapidly in round 3.
Moreover, the price is at a 68.64% discount from its launch value of $0.14. Over 197 million $TAP tokens have been purchased, and at least 120,000 wallets are connected to its dashboard.
In Q1 2026, the ranks of the altcoin market are being redefined by the projects that integrate the blockchain speed with the reliability of a bank.
Digitap dominates this space with its 120,000-strong user base and the Solana integration that is helping accelerate its scaling. The banking completeness enables it to dominate in this group. Notably, Digitap does not depend on a single market condition or behavior alone. It is building a financial system that will enable $TAP to thrive in all market conditions.
Whether it is the omni-bank of Digitap, the remittance focus by Remittix, or the multi-asset trading platform of BlockchainFX, utility is the most important narrative. These crypto presales are dominating with real-world utility, enabling them to disrupt the entire market.
For investors who want a project that could deliver long-term relevance, Digitap is the strongest opportunity in this group.
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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