Despite recent market weakness, some of the top altcoins to buy are struggling to maintain key price levels. Stellar (XLM), a well-established name in cross-border payments, continues to eye the elusive $1 billion mark. Meanwhile, Aster (ASTER), a high-flyer in recent weeks, is now struggling to break past the $1 level.
Standing in contrast is the crypto presale project Digitap ($TAP), the creator of the world’s first “omni-bank,” which some analysts believe has a viable path to gain 100x its value.
Digitap’s Live Utility Puts It On Altcoins To Buy Lists
Fiat and crypto were never unified in one central banking app until Digitap entered the scene. Digitap is the creator of a superbank app that blends traditional fiat banking services with digital currencies. This means users can send, receive, save, store, swap, and spend both fiat and crypto in one interface.
The most important component of Digitap’s app is that it is designed for all and solves real problems. An optional no-KYC sign-up process offers a simplified version of services for individuals who prioritize anonymity or the approximately one billion adults worldwide without access to identification.
According to the World Bank, there are 850 million people globally who don’t have access to an ID. Thanks to Digitap respecting one of the original promises of crypto, that it should be accessible to all, these people can join the global financial community.
There are also an estimated 200 million migrants and foreign workers who send money home using traditional banking services that charge, on average, 6.2% of the amount transferred. Digitap’s peer-to-peer transfer service can move the same money overseas for as little as sub-1%.
Once the recipient receives the funds, they can withdraw to a bank account or use the new Visa-branded Digitap spend card anywhere Visa is accepted.
3 Checks For 100x Math: Users, Per-User Value, Supply
Digitap launched its presale of its native $TAP token in late 2025 at a starting price of $0.0125. Through three successful rounds, $TAP is now on sale at $0.0297 and has raised more than $1.6 million.
Market experts and analysts are hopeful that once Digitap launches on major exchanges and gains the visibility of a broader crypto audience, the $TAP token could rally far beyond the listing price of $0.14. It could rise by as much as 100x over the coming years, to around $2.97 per token. With a fixed 2 billion token supply, Digitap would be worth roughly $5.9 billion.
The math and some basic assumptions support this investment thesis, making Digitap one of the best cryptos to buy now. Coinbase, an indirect Digitap competitor with some overlapping services, is valued at $83 billion and boasts 120 million users. This implies the market values each user at around $690.
Applying a 50% discount in valuation to reflect Digitap’s status as a crypto presale startup, the market could value each Digitap user at about $345. That would mean Digitap needs to attract roughly 17 million users to justify a 100x gain. Considering its target market spans more than one billion users worldwide, it needs to win just a small fraction to achieve 100x in value.
Stellar’s Partnerships Grow, But $1 Remains Out Of Reach
Stellar’s price has long traded under $1, but 2025 has brought renewed optimism that it could hit the $1 milestone, perhaps in 2026. There have been notable developments showing the project’s progress toward becoming a low-cost, cross-border payments provider.
For example, PayPal’s PYUSD stablecoin is integrating on Stellar’s network, while MoneyGram’s new remittance app uses Circle’s USDC on Stellar’s blockchain to provide near-instant international transfers.
Yet despite these clear catalysts, Stellar’s price remains far below the coveted $1 target. One challenge is that stablecoins can move on Stellar with minimal XLM as gas, meaning the network can see high volume while value accrues to XLM more slowly.
Investors are rightfully skeptical of XLM’s growth story, seeing it as a somewhat stagnant project in a crowded market. Of course, zero growth in value over eight years merely reinforces these legitimate concerns.
What Aster Must Prove To Rebuild Long-Term Demand
Aster’s token surged in October, rising over 2,300% in a month following news of a Binance listing and ongoing airdrop campaigns. Aster briefly traded above $2 during the buying frenzy before the Binance launch, but it now struggles to hold above the $1 level.
The problem Aster faces is sustaining long-term demand in the absence of constant hype. The project was known for overly generous airdrops, which meant many recipients sold their free tokens. Selling pressure increased once no-vesting airdrop rewards became claimable in mid-October.
A suspected wash-trading incident also damaged Aster’s reputation, hinting that some unusually large volume might not have been entirely organic. Aster now needs to retain traders and prove to the market it is a legitimate player with nothing concerning happening behind the scenes to earn a spot back on the list of the best cryptos to buy.
Real Adoption Beats Hype: Why Digitap’s Case Looks Strong
Long-term value creation depends on real adoption, not just narratives. Stellar’s bid for $1 exemplifies this, as strong partnerships alone won’t drive demand. Stellar needs to reignite growth and differentiate its utility before investors can confidently include it among the top altcoins to buy.
Aster is in a more difficult position with eroding investor trust. It must retain users and demonstrate sustained, organic activity to re-establish credibility.
Meanwhile, Digitap’s focus on fundamentals, delivering a working product that attracts users, has set the stage for value creation that isn’t purely speculative. Digitap’s 100x case is grounded in real-world utility and user acquisition goals, making it a strong candidate as one of the best cryptos to buy now.
As the crypto presale company continues to scale and attract users, the market will assign even higher valuations to users, making it easier for Digitap to show investors a 100x gain over the coming years
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
Disclaimer: This is a paid post and should not be treated as news/advice.