Ethereum’s latest drawdown has turned many believers into bagholders. After dominating the early part of this cycle, ETH is now stuck below the $3,000 level and trades more like a slow-growth stock than a reflexive risk asset.
Yet opportunity still abounds in crypto with a new wave of banking-focused projects raising fresh capital, and the Digitap ($TAP) crypto presale has already pulled in $2.1 million. A notable event when the market is puking.
Heading into 2026, the leading altcoins to buy are those leveraging crypto to improve payments, and $TAP ranks among the best cryptos to buy now for investors who want exposure to the banking and payments trade rather than yet another layer-one chart.
Ethereum’s Future in a Payments-Dominated Cycle
Ethereum is still the crypto’s second-largest asset and the default settlement layer for the majority of DeFi and stablecoin activity. The L2 ecosystem is maturing, unlocking low fees and scalability, but all of this is already reflected in ETH’s price. After years of mainstream coverage, ETH now sits in almost every institutional portfolio that has touched crypto.
But ETH is still stuck below $3,000, and investors need to ask who the marginal buyer is at these levels. Ethereum no longer trades like an underdog, and when macro turns and liquidity tightens, it is among the first to lose value.
While the Ethereum network is incredibly valuable and drives lots of activity, the asset ETH does not look great at these levels. The early upside has been captured, DATs will likely start selling soon, and at a $350 billion market cap, investors looking for multiples will need to look elsewhere.
The real question is, if Ethereum is the settlement layer for programmable money, which products are best positioned to turn that into the kind of banking experience Gen Z and Millennials actually want to use every day?
Digitap: The World’s First Omni-Bank
Digitap sits right in this application-layer camp. Branded as the world’s first omni-bank, it offers a single account where users can hold and move more than 20 fiat currencies alongside crypto, all inside one clean interface. The app is live today on iOS and Android, and thousands of users are already using Digitap’s Visa card program to spend their on-chain balances at millions of merchants worldwide.
This crypto presale has taken a product-first approach, launching its global money app first, and the ability to trial the app first helps explain Digitap’s outsized early presale success. It aims to improve payments globally, and powering this is Digitap’s multi-rail architecture. When a user sends money internationally, Digitap’s routing engine checks costs and speeds in real time and selects the best available corridor.
Sometimes that means a public blockchain and using stablecoins. Sometimes it means legacy rails such as SWIFT, SEPA, ACH, or Faster Payments. The point is that the user never has to think about any of this. The end result is their money moving faster and more cost-effectively wherever it is going. And that’s why $TAP ranks as a leading altcoin to buy and a leading banking play this year.
The user experience is designed for the digital-first generation. Crypto-native freelancers can invoice in stablecoins, keep part of their earnings in BTC or ETH, convert the rest to local currency, and spend with a tap of their phone. Underbanked users can sidestep slow, fee-heavy local banking and use Digitap as their primary financial surface. And $TAP could be ushering in a new era of finance for millions, if not billions, of users globally.
Digitap’s Black Friday Campaign: 96 Hours & $1 Million in Prizes
To accelerate this growth, Digitap is running a Black Friday event. Over a 96-hour window starting on Friday, the team is dropping a new offer every single hour. The prize pool exceeds $1 million in total value across giveaways and bonuses.
This could be the best window to accumulate $TAP, and the omni-bank pitch is getting more popular as users understand the value of a single app integrating every rail that matters.
Early presale traction is impressive, with $TAP already raising $2.1 million and currently selling for $0.0326 with the next stage stepping up to $0.0334 in 3 days. In a market where many tokens still lack a live application, a functioning omni-bank with an expanding Visa card base and a clear value-capture design stands out as one of the better altcoins to buy before the bull run reignites in 2026.
Why Application-Layer Banking Tokens Are the Best Cryptos to Buy Now: ETH vs. $TAP
Digitap’s positioning is a bet on where value accrues. Last cycle, owning the base layer was more profitable. Still, now the application layer looks much more exciting—especially products that onboard new users with tokens that benefit from cash flows. Digitap’s omni-banking app is a textbook expression of that shift.
ETH has a slow-and-steady burn program, but Digitap allocates 50% of platform profits to burning tokens and rewarding stakers. That means each transaction of the platform directly benefits token holders. The trade is simple: Digitap makes moving money easier, earns fees, and routes value back to token holders. That’s why this crypto presale ranks among the best cryptos to buy in 2025.
The next phase of growth is about leveraging crypto’s speed to improve everyday finance. Holding $TAP is ownership of a banking-grade crypto presale with revenue sharing versus ETH, which is a base layer trade. Cash flow and distribution will win in 2026, and that’s why $TAP is beating Ethetruem as the real banking play this year.
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
