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Crypto markets look exciting once again. Bitcoin’s last push got rejected at $97,000, on-chain is alive and vibrant, a classic sign that risk appetite is bubbling away and could lead to a broader resurgence in the coming week.
Crypto presales are some of the most interesting trades in the current environment, with majors consolidating and the chance to buy the next cohort of winners at bargain prices. The biggest narratives this year are banking and stablecoins, and naturally, the leading altcoins to buy are the products that turn stablecoins into everyday money and make adoption easy.
That is why Digitap ($TAP) has shot past $4.1 million raised and is becoming a leading crypto to buy now in the banking lane. Banking is forecasted to be the biggest growth story of the year, and now the race is on. Will $TAP hit $3 before BTC recalims $101,000?
Read on to find out.
Bitcoin got rejected clear as day at $97,000—the 50-week moving average, which has provided support this entire cycle. It flipping to resistance poses several uncomfortable questions for BTC bulls.
Sellers are clearly still active in size, and buyers are not yet willing to step in. Can BTC’s price keep building a structure underneath this sell zone? $101,000 is a pivot point because it would mark the start of another expansion leg. It would be a breakout and force positioning to change practically overnight.
ETF volume remains strong, and if BTC can break out of this range, it would end up dragging the rest of the market higher. The fact that on-chain is alive with banking altcoins to buy and new AI dev tokens means that the current BTC range is promoting selective leadership.
The days of everything pumping together are over, and capital is already rotating sectors with high growth potential. Banking and stablecoin products fit that profile perfectly. Ideally, BTC needs a new narrative, and while bulls might not like this fact, the chart looks exhausted.
Crypto is going back to basics, and better money wins this year. Stablecoin supply continues to expand because stablecoins solve a real problem. They move dollars faster and cheaper than legacy rails.
Pair this with better regulation, and banking quickly becomes the largest area for growth this year. In 2026, adoption is all about the products that non-crypto natives use. And that’s why the best altcoins to buy are moving away from bloated infrastructure and toward fintech-style applications that hide crypto under the hood.
Digitap has successfully built and shipped the world’s first omni-bank. Omni-banking means one app where money moves like information on the internet. Users can send, receive, swap, and stake from a single surface currently supporting more than 100 cryptocurrencies and 20 fiat currencies.
The largest advantage is the digital-first positioning. Mobile finance is booming, and Digitap’s global money app feels familiar and lets the rails do all the work in the background. Users don’t need to know anything about crypto; all they see is their cross-border transfer arriving in minutes instead of days, and paying less than 1% instead of 6.4%.
Digitap’s crypto presale looks more like a fintech because the tech becomes invisible, and the product works better. Raising more than $4.1 million is a clear sign that markets like what they see, and with a Visa card, multi-rail settlement engine, and powerful tokenomics, it is easy to see why.
Multi-rail settlement blends crypto and TradFi together for the first time, thanks to Digitap’s banking partners. The Premium and Pro accounts offer global banking access and offshore accounts for users who want more options with their money. And $TAP’s flywheel is likely the largest driver of this presale’s early success.
Digitap’s decision to allocate 50% of platform profits to burns and staking rewards is what puts this banking altcoin to buy in the big leagues. This makes $TAP an ownership layer that should aggressively appreciate as the platform sees adoption.
$TAP currently trades at $0.0427 today and will list at $0.14, meaning a clean 3X for investors buying today when it launches later this year. $3 would mean $TAP has seen massive adoption and has become the default money app for a massive group of users.
The fintech approach of providing a better product and looping this growth into the token design means the $TAP crypto presale is being valued like a real business. And could be the best adoption trade of 2026. If $TAP hits $3 or BTC hits $101,000 first, it remains more uncertain. But when it comes to upside potential for early investors, $TAP is in a totally different league than BTC.
Arguably, the leading altcoin to buy this January, the setup is clear. Banking products look ready to rip this year, and $TAP sits at the center of this narrative. Already a leading crypto to buy now for investors betting on the stablecoin era of banking.
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.
