Markets are bleeding, retail investors are panicking, and yet crypto presales are absolutely booming. Well, not all of them, but banking-focused presales are crushing it in this violent bear market.
When majors unwind like this, the smartest way to read the future is to look at how investors are positioning for the coming months—to follow presale inflows. Crypto presales remain the purest forward-looking bet. Investors get to avoid downturns thanks to fixed prices and lock in ground-floor entries to new projects.
Markets are screaming that PayFi tokens will dominate in 2026, and all the leading altcoins to buy focus on payments. Digitap’s ($TAP) $2 million raise, completed amid a brutal bear trend, signals it could be the best crypto to buy now, and its fundamentals are doing all the talking. Already running a live global money app with thousands of users, this is a project crypto participants should be watching closely.
Here’s everything that investors should know.
Why Banking Crypto Presales Are Defying the Bear Market
When risk appetite disappears, the only thing left is fundamentals. Banking-focused crypto presales naturally operate in a market-agnostic sector—regardless of where the S&P500 trades, global commerce does not sit still. That and the technical advantage blockchains have over correspondent banking networks make it an easy area for crypto solutions to provide real value and disrupt a trillion-dollar industry.
Bear market or not, these cutting-edge payment solutions are accelerating faster than anyone anticipated.
Digitap’s core idea is amazingly simple. Let all money—fiat, stablecoins, on-chain assets—live inside one balance. That’s what their omni-bank does, and anyone can download it on iOS or Android today. The app looks and feels like a modern neobank, providing over 20 local fiat currencies, over 100 altcoins with multi-chain support, and there is no longer any need to hop between exchanges, wallets, and bank apps.
The Visa program turbocharged this crypto presale and sent inflows soaring above $2.1 million. Thousands of users already have virtual or physical cards in hand, with Apple Pay and Google Pay support. Non-KYC virtual cards were a hit with whales, and the ability to spend crypto globally is a big leap forward for crypto investors. There is now no difference between dollars, BTC, or stablecoins thanks to Digitap.
Digitap’s product is truly built for the digital-first age. It behaves the way Gen Z and Millennials already expect their money to behave—instant and borderless. But how can Digitap disrupt cross-border payments?
Thanks to its multi-rail infrastructure, Digitap leverages the best of both worlds with public blockchains and established banking systems such as SWIFT, SEPA, ACH, and Faster Payments. It sends payments on whichever rail is fastest, and users don’t have to think about any of this; money simply arrives in real-time for a less than 1% fee.
Next-Gen Tokenomics: $TAP as a Fintech Ownership Layer
The token design is another reason $TAP shines as one of the best cryptos to buy now. Instead of opting for a useless governance token, Digital has committed to directing 50% of platform profits into open-market purchases of $TAP. These purchases are split: half are burned forever, and half are distributed to stakers.
This design creates a flywheel. As the omni-bank grows, hits the adoption curve, and starts processing more volume, it automatically translates into buy pressure for $TAP. Stakers share in the platform’s success, and the ongoing reduction in token supply should put upward pressure on the token’s price in the long term. This is much closer to a fintech equity-style revenue share model than the majority of altcoins today.
The emphasis is clearly on token holders winning as DIigtap grows, and the presale also reflects this. $TAP is currently available for just $0.0326—a big discount from the listing price of $0.14. And this allows early supporters to secure the best possible entry price.
Users are not betting on another run-of-the-mill crypto presale but a live banking app with thousands of active users and a direct link between platform success and token value. That’s why $TAP ranks as a top crypto to buy now in the PayFi race.
Why Banking Tokens Among the Strongest Altcoins to Buy in 2025
The violent bear market has forced a brutal focus on quality. The altcoins to buy now align with secular growth trends and offer products that appeal to non-crypto natives. Banking and payments tokens exist here. Digitap exemplifies this shift.
It takes the most useful parts of crypto and puts them into an experience that feels like an upgraded version of what people already use. That is why banking tokens stand apart from the crowd. This is how investors lock in upside from future growth, and $TAP is leading the PayFi race as one of the best cryptos to buy in November.
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
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
