Revolut genuinely changed the game when it launched in 2015, and consumer banking has never been the same since. But a decade later, global travellers are coming to realize that the next great upgrade might come from a crypto presale rather than a traditional fintech. FX spreads, weekend markups, and legacy rails are all starting to feel very outdated in a world where value can move on stablecoin rails in seconds.
In crypto right now, the most interesting altcoins to buy are banking and payments plays that are directly expanding stablecoin reach. This is where crypto neobanks such as Digitap ($TAP) are starting to offer real competition to giant neobank incumbents such as Revolut and Monzo.
Global nomads need low fees, minimal FX friction, and those paid in crypto need a way to spend their on-chain balances in the real world economy. That is exactly what Digitap is delivering with its omni-bank and Visa card. And as Revolut FX spreads creep higher, Digitap’s crypto neobank solution is starting to look like one of the best cryptos to buy now before 2026.
From Neobanks to Omni-Banks: A New Crypto Presale for Global Nomads
Neobanks won because they pioneered the digital-first approach. Revolut and its peers replaced clunky high street banking apps with slick, real-time mobile finance. And for the last decade, that was enough to win. But now with the booming rise of stablecoins, traditional neobanks’ overreliance on traditional banking rails is starting to show.
Digitap delivers the same UX as any major neobank but now integrates crypto from day one. Fiat, crypto, and stablecoins all live together in its global money app, and anyone can download it today. Users can hold more than twenty fiat currencies alongside over one hundred crypto assets across multiple chains, and for global nomads, it is a no-brainer.
Now, instead of juggling multiple accounts, wallets, and exchanges, Digitap consolidates everything into a single environment. And the $TAP token lets these global nomads own the future upside and adoption of the platform thanks to its flywheel. That’s why $TAP ranks as one of the leading crypto presales heading into next year.
Revolut FX Spreads Creep Higher
Revolut reshaped banking for travelers. Its multi-currency accounts, instant FX conversions, and early low spreads made it the obvious choice for digital nomads and remote workers. Many still use it as their primary spending card abroad.
But as the company has scaled into a $75 billion private behemoth, the economics have shifted. FX spreads have crept higher, weekend and off-market markups are more noticeable, and the product that once felt like a scrappy underdog now feels and acts more like an incumbent. For travellers who spend months at a time outside their home country and move money constantly, those incremental costs add up quickly.
This is why global nomads are increasingly paying attention to a new cohort of projects in the PayFi vertical. Blockchains and stablecoins are objectively better payment rails, and this will be the next technological piece that disrupts neobanks as consumers know them today. Additionally, while Revolut users are only customers, projects like Digitap allow users to participate in the platform’s growth.
Joining the ownership class in the next financial revolution is why these PayFi players are the most interesting altcoins to buy. And earning dividends as the platform grows is becoming a defining feature—the best analogy would be neobanks giving all current clients shares in the company, something that will not happen.
Digitap’s Visa Card Makes $TAP the Most Practical Crypto to Buy Now for Global Nomads
Digitap’s core idea is incredibly simple. One account, one card, and every rail that matters. The global money app supports multi-currency fiat balances and crypto assets, while the co-branded Visa program lets users spend their on-chain balances with millions of merchants globally.
For travellers, Digitap’s Visa card behaves like a classic travel card—contactless payments, Apple Pay and Google Pay integration, and ATM withdrawals. Except it can use stablecoins, ETH, BTC, as well as dollars, euros, and pounds.
Another area where Digitap excels is cross-border payments, thanks to its multi-rail solution, which includes traditional rails such as SWIFT, SEPA, ACH, and Faster Payments, and blockchains. Its routing engine is always optimizing for faster settlements and tighter spreads.
The Visa card comes with cashback in $TAP tokens and a slew of higher-tier benefits for token holders, such as better rates, 24/7 support, and boosted cashback rates. For global nomads who use their card frequently and want to own the financial platform that they use, the upside is clear.
From an investor’s perspective, the mechanics are straightforward. Digitap has already raised more than $2.3 million in its ongoing raise, and $TAP currently trades at $0.0361 in the current round, with an increase to $0.0371 scheduled in less than two days.
The tokenomics are deliberately aggressive. Digitap allocates 50% of platform profits to burning tokens and rewarding stakers. The total supply is capped at 2 billion with no inflation, and this crypto presale token is tied to a growing card and payments business. All of these features together are why Digitap is a serious contender for the best crypto to buy now in banking.
Are Crypto Neobanks Disrupting Traditional Neobanks Already?
Crypto neobanks are already starting to attract users from traditional neobanks, and while crypto markets may be down recently, all the best altcoins to buy are in the payments space, signaling that a crypto-native banking bull run could start as early as 2026.
While Revolut and other neobanks offer a slick experience, they still rely on legacy rails. Digitap integrates these legacy rails and blockchains to give users greater reach and lower fees on a wider range of transactions. And its token holders are direct beneficiaries of platform growth.
As FX spreads creep higher with rates coming down globally, Digitap is one of the few crypto presales whose product already feels like a natural upgrade to Revolut for FX-heavy users. It keeps the neobank UX, adds stablecoin rails, slashes remittance costs, and routes a share of revenues back into a deflationary token model.
$TAP stands out as a leading crypto to buy now for anyone who believes that stablecoin rails, global cards, and multi-rail settlement will define the next wave of banking. And the presale offers anyone a chance to own this disruption from the ground floor.
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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