Crypto is up today because stocks broke a new ATH heading into year-end. A Santa rally is starting to form, Bitcoin is rebounding toward $90,000, and risk appetite is creeping back after weeks of defensive positioning. But is this a true reversal or just a counter-trend rally?
Markets remain fragile, and only the strongest projects are getting consistent bids. As investors get sick of altcoins without buybacks and real-world use cases, even established altcoins are crumbling. But projects like Digitap ($TAP) are thriving in this utility and value-first environment.
$TAP looks like the cleanest banking play of the year, and is one of the few altcoins to buy with a real product already in motion. Already raising nearly $3 million, this crypto presale looks primed to become an outperformer next year.
Here’s what is driving the bounce, and why Digitap is becoming a credible candidate for the best crypto to buy now heading into 2026.
Why Crypto Is Up Today: The Santa Rally Setup Is Taking Shape
Positioning and sentiment have been overly bearish for too long, and markets have a funny habit of going against what the majority thinks will happen. Santa rallies are less about magic and more about psychology.
As the year closes out, traders have already de-risked and harvested losses.Evenn slight positive momentum can spark a rally because sellers are already out of the way. Bitcoin rebounding toward $90,000 matters for the entire crypto market because it resets expectations.
Bitcoin Rebounding Toward $90,000
Bitcoin moving back toward $90,000 is the market’s way of saying that it could be about to enter a new risk-on period. BTC remains the liquidity magnet, and it is the big-name crypto to buy for everyone watching from the outside. A pushback above $90,000 could reignite retail interest.
But increasingly BTC continues to outperform altcoins as investors are sick to death of poorly constructed tokens. Where does the next cycle’s growth and value accrue? Likely stablecoins and projects with buybacks funded via profits. And the likely biggest winners are applications turning stablecoins into everyday money.
This is where Digitap enters the picture. It is not competing with Bitcoin as a macro asset. It is building a banking product that makes stablecoins easy to use for normal people. In a world where the market is searching for real adoption, $TAP already looks like one of the most interesting altcoins to buy before 2026 starts.
Digitap: The Crypto Neobank with Better Rails
Digitap’s core thesis is simple: money should feel like one system. Instead of forcing users to juggle separate apps for fiat and crypto, Digitap puts everything into a single balance experience. The average user wants money to move quickly, predictably, and cheaply—and Digitap delivers precisely that.
The approach feels familiar because it borrows the best part of neobanks: clean UX, mobile-first design, and immediate visibility across accounts. The difference is what sits under the hood. Digitap is built to route value across multiple rails, including blockchains and traditional payment networks, without the user having to manage any of this complexity. Digitap unlocks crypto speed through neobank UX.
This is why this crypto presale is flying and has raised nearly $3 million despite the broader bearish sentiment. It looks like a fintech that happens to have a token. And that distinction is driving success in a market allergic to vaporware.
Visa Card Rollout and Real Usage: Why Adoption Matters More in a Weak Market
In strong bull markets, investors get lazy. They buy momentum and assume everything will go up. In choppy markets, that changes. Utility becomes the only thing that matters.
Digitap is getting attention because the product is already live and available for download today on iOS and Android. Thousands of users are already spending on-chain balances on the Visa card, and the familiarity of the app layout gives it a distribution boost.
People already understand how to use a card. People already understand what a banking app should feel like. Digitap simply upgrades the rails underneath so stablecoins and crypto balances can be used like money. That is why Digitap can perform well in bearish or bullish sentiment. It is a banking product that improves global flows, and that’s why it ranks among the leading altcoins to buy heading into 2026.
Bitcoin vs. $TAP: Best Crypto to Buy Now?
Bitcoin is the cleanest long-term crypto asset. $TAP is much earlier in its adoption curve and is still mispriced by the market. Available for $0.0383 today, and scheduled to move to $0.0399 in just a few days. With a confirmed listing price of $0.14, anyone buying today can lock in a nearly 4X move from now until listing.
Most importantly, $TAP has buybacks and a deflationary design. Token holders share in the platform’s growth, and in the current market, this is a massive tailwind. 50% of platform profits are allocated to funding staking rewards (currently 124% APY) and token burns. The ongoing Christmas sale gives investors a chance to win massive $TAP token bonuses and free premium and pro account upgrades that unlock offshore banking.
This is the kind of setup that can turn a banking token into a standout crypto to buy now as 2026 approaches. It works, the potential addressable market is enormous, and the token accrues value. It is unsurprising that $TAP is considered one of the best altcoins to buy as the year ends.
Digitap is Live NOW. Learn more about their project here:
Presale https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
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