Solana is grinding back toward $130, while the Digitap ($TAP) token has climbed more than 170% since this crypto presale began. A clean statement that the crypto market is split.
Investors are either chasing late-cycle exposure to already richly valued altcoins or small-cap plays. Attracting fresh capital while sentiment is bearish is not easy, and Digitap’s early success is why this omni-bank is fast emerging as the standout crypto presale in the payments lane.
As banking and payments tokens become the leading altcoins to buy, investors are asking if the banking bull run has begun. Here is what investors need to know before 2026 begins.
Is Solana heading back to $120?
Solana has been a wild ride this cycle. Anyone who caught it near the bottom made a fortune, and it was home to memecoin mania last year. Arguably the most successful layer one in existence and easily a top crypto to buy now for anyone who wants long-term exposure to the space.
However, SOL is trending downwards, and if there is no bounce at the 200-week moving average (roughly $120), a level that has been defended before. The path back toward double-digit prices below $100 is not hard to imagine. This doesn’t mean Solana is finished, only that it will take time to find a bottom.
In the current macro environment, the market is punishing richly valued layer 1s, and capital is steadily rotating to projects with better growth prospects. The application layer should outperform layer 1s next year, and banking plays such as Digitap look ready to soar in adoption and value.
Has the banking bull run started?
Real-world adoption is driving growth this cycle and is expected to dominate again next year. Banking and payments tokens look like the best cryptos to buy now, given the overwhelming success of stablecoins.
The obvious trade for smart money is buying the next generation of apps that make these digital dollar rails invisible and deliver a better banking experience to millions. This is precisely what the Digitap crypto presale aims to do, explaining how $TAP is already up 170% on paper.
Increasingly, altcoins to buy resemble lean fintechs and are solving immediate problems for real users. It might sound surprising, but the winning assets in 2026 will be designed for non-crypto natives.
Inside Digitap’s omnibank: A different kind of crypto presale
Digitap’s product is incredibly simple—a global money app where fiat and crypto work together. Anyone can download the app on iOS or Android, and they will see a clean, neobank-style interface that feels familiar to anyone who has used modern fintech.
Users can hold fiat and crypto side by side and instantly swap between them. Digitap also allows users to send funds anywhere in the world within minutes for less than 1% and start spending their on-chain balances with the Visa card. Tapping into crypto natives and non-crypto natives is a large driver of why $TAP ranks among the best cryptos to buy now.
The multi-rail architecture is what makes everything possible with Digitap, optimising each transaction through its routing engine. Funds can travel on public blockchains and traditional rails, and for the end user, none of this is visible.
The experience is that money moves in minutes rather than days, and instead of spying 6.4% (average for remittances), they pay less than 1%. Digitap delivers it all. Speed, cost, and familiarity. And that’s precisely why $TAP ranks as an interesting altcoin to buy before 2026 despite broader bearish market sentiment.
Solana vs. Digitap: Are they both top altcoins to buy before 2026?
SOL and $TAP are different assets, but for traders, all that matters is potential returns. Solana is still a beast and will continue to dominate DeFi activity. But its success has consequences, namely that buying SOL at these levels is nowhere near as attractive as buying it below $10.
Digitap, on the other hand, is still at presale pricing. The market has not yet priced future growth in, and it plans to make money behave like information on the internet: instant and borderless. If it succeeds, it could become a popular app with a global user base.
The current price of $0.0361 looks very cheap for $TAP given its token flywheel, with 50% of platform profits going to token burns and staking rewards. Set to increase to $0.0371 in less than a week. This omni-banking play is easily one of the most interesting banking-focused altcoins to buy, and with the banking bull run about to start, things could get very exciting for early adopters next 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
Disclaimer: This is a paid post and should not be treated as news/advice.