Uniswap’s UNI token is stuck at $5.94 and is trading near its 52-week low. The largest decentralized exchange protocol by volume has seen its token plummet more than 50% this year. On-chain activity shows trading volume is fading, all but erasing any hope for a rebound before the end of the year.
In contrast, Digitap ($TAP), an emerging crypto presale project with a live fintech banking app, is onboarding thousands of new users. The stark contrast between the two highlights why utility-focused projects like Digitap represent a better crypto to buy for 2026.
Source: Digitap
Why Digitap’s No-KYC Banking Targets a Billion Adults
Digitap is the creator of the world’s first “omni-bank” that blends traditional fiat banking services with crypto. Users can send, receive, store, save, invest, and even spend both forms of money. A recent partnership with Visa to power its prepaid debit card is now live, and every user has access to a Visa card.
Digitap’s model of blending crypto with fiat in one app has many benefits. For example, users can send global money transfers at a cost of less than 1%. This represents tremendous savings compared to money remitters that charge, on average, 6.2%.
According to the United Nations, around 800 million people worldwide rely on money transfers. Digitap’s savings mean more money in the pockets of those who need it most.
Digitap also offers an optional no-KYC signup process. There are more than one billion adults worldwide without proper banking access, many of whom live in countries where it is difficult to obtain proper identification. Digitap is a top altcoin to buy as it offers solutions to real-world financial problems for billions of people worldwide.
Source: Digitap
How Digitap’s $TAP Presale Turned Bear-Market Pain Into Gain
Digitap’s crypto presale of its native $TAP kicked off in late summer. Encouragingly, momentum picked up as the bull market ended and the bear market began in October. This is due to Digitap’s decision to sell its token in tiered stages. The price of $TAP is pre-programmed to increase once each round is complete or sold out, regardless of market conditions.
$TAP was sold for $0.0125 in the first round, and it has gradually inched higher to $0.0383. Early investors are now sitting on more than 200% in paper profits. For many investors, even a small allocation to $TAP offset most of their losses in the broader crypto market. While this narrative makes $TAP a top crypto to buy for the near term, its tokenomics are designed for long-term appreciation.
Digitap allocates 50% of the platform’s profit toward buying back and burning tokens on the open market. Digitap continues to onboard thousands of new users, which benefits the token. Every time a user taps their Visa card or sends a transfer, a portion of that profit is used to buy $TAP.
This catalyst could act as a force multiplier as Digitap scales from onboarding thousands of new users to tens of thousands, given the large market it targets.
Digitap’s token has raised nearly $3 million, and to celebrate this milestone, Digitap is hosting a Christmas-themed sale. Existing and new investors can take advantage of daily deals through January 2. These include bonus $TAP add-ons, platform rebates, and more. The presents are available on the presale widget, but they are time-sensitive. Once the deal expires, it is gone for good.
Why Falling DEX Volume Leaves Uniswap’s UNI Stuck at Lows
Uniswap remains the leading DEX by a sizable margin, but liquidity is drying up, and speculative trading volumes are down. Volume trends make it clear that investors are prioritizing tokens with real utility as better altcoins to buy.
According to Token Terminal, Uniswap’s daily trading volume is trending near $13 billion. This represents a notable drop from more than $25 billion seen during the peak of the bull market. This would explain why UNI isn’t making it onto many lists of best crypto to buy. The value of UNI is linked to crypto trading volumes, which are cyclical and currently depressed.
In a bear market, fewer traders mean less on-chain volume and lower protocol revenue. Also, Uniswap caters almost exclusively to crypto-savvy traders, and its utility doesn’t extend to everyday financial needs beyond swapping tokens.
Meanwhile, recent governance moves to change UNI’s role from a governance token into a value-accruing asset via burns have failed to excite investors. The token still requires a rebound in risk appetite and trading activity to justify renewed demand. This is a tough sell in a low-liquidity bear market where real-world utility is rewarded, and speculation is punished.
Source: @bake_io
Digitap’s Fintech Model Backs Its Case As Best Crypto to Buy
Uniswap’s status as a DeFi blue-chip crypto remains unchanged. Despite the bear market and poor trading conditions hitting its token hard, UNI remains a top-30 crypto by market cap. Still, its upside could be limited in an environment where pure DeFi activity is muted.
Digitap, despite still being in its crypto presale stage, offers a compelling alternative for 2026. Its $TAP token is backed by a working product with growing real-world usage. In a market that favors tangible utility and adoption, Digitap’s fintech banking model provides a stronger fundamental story.
Digitap continues to onboard thousands of new users, and expectations are for a major ramp in 2026. The project plans to use part of the proceeds from its presale to launch a global marketing campaign. Digitap is in a strong position to onboard tens, if not hundreds of thousands, of new users over the coming years. The benefits it brings to users are tangible, and for $TAP holders, this could translate to a higher token value in the new 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
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
