What is going on? Bitcoin has been underperforming equities even as new spot ETFs have come online, dovish rate expectations have grown in 2026, and the world calls BTC digital gold. How can BTC be underperforming in this environment? The truth is that 2025’s retail mania has taken place in AI stocks.
But there is always a bull market somewhere in crypto, and all the leading altcoins to buy in Q4 are positioned in the PayFi sector. Smart money knows crypto whales work better for moving capital globally, and there are plenty of mispriced crypto presales available on the market.
Digitap ($TAP) is a clear example and a perfect way to express bullishness on the stablecoin payment trade. Increasingly listed as one of the potential cryptos for the next expansionary leg, here is everything investors need to know about $TAP.
Why Bitcoin Is Lagging Equities in 2025
Since the start of the year, BTC is down 11.12%, the S&P500 is up 13.86%, and the Nasdaq is up 17.41%. BTC being outperformed by equities is not what BTC bulls want to see, and worse still, judged by the situation on paper, Bitcoin should be thriving.
ETFs have pulled in tens of billions of dollars, regulatory clarity is improving, and the long-term supply dynamics have changed massively since institutions entered the markets. Yet last month alone, BTC was down roughly 30%. Why is this happening?
First, gains in AI stocks have kept equities trading at elevated levels, with all retail investors wanting to buy the new shiny thing. Second, leverage. Excessive leverage made the October correction far worse.
Finally, long-term BTC holders have been exiting markets aggressively. While Gold asserts its dominance as the macro hedge, BTC will need to do some soul-searching to find a new narrative. But when liquidity conditions change, BTC will likely remind the world how quickly it can move.
Altcoins to Buy as the Market Matures
As markets mature, value accrues in different places. In 2021, crypto was the revolution. In 2025, AI is the revolution. Losing the title of secular growth story was a big blow to speculative tokens, and now only one segment enjoys massively bullish tailwinds: stablecoins. These digital dollars are the killer app of this cycle, and all the best cryptos to buy now leverage stablecoins.
The interfaces and banks that make stablecoin rails usable for ordinary people and businesses are pulling ahead, and that’s where smart money is allocating capital. And that’s exactly where Digitap is building.
Digitap: A Crypto Presale Built for Stablecoins
Digitap is the world’s first omni-bank. Today, anyone can download this global money app where fiat, stablecoins, and crypto live together in one account. The user experience feels like a modern neobank, but under the surface, a multi-rail architecture can send money over public blockchains, domestic instant-payment schemes, and legacy systems like SWIFT, SEPA, ACH, and Faster Payments.
This allows Digitap to select the best route for each transaction based on speed and cost. A freelancer in one country can be paid in minutes by a client in another for less than 1%. Cross-border payment volume runs in the trillions of dollars annually, and incumbents charge on average 6.4%.
Digitap cuts that cost to below 1% with settlements that take minutes. The ability to disrupt such a large market is what makes $TAP a potential coin to buy, and the tokenomics model is what many call next-gen value capture. It has a fixed supply of 2 billion, and with 50% of platform profits redirected to burns and staking rewards, it soaks up value for token holders.
The more people that use the omni-bank for remittances, card payments, and general banking, the stronger the buyback-and-burn flywheel becomes. And with more than $2.1 million already raised and first-stage participants up about 160% on paper, this crypto presale is already flying. With a current price of $0.0326, rising to $0.0334 in two days, Digitap looks more like an early-stage fintech disruptor than an altcoin.
Digitap’s Black Friday Bonanza
Digitap’s team is launching a 96-hour Black Friday Bonanza. For a full 90 hours starting Friday, there will be a new limited offer dropping every single hour. The prize pool exceeds $1 million, and each offer will be unique. Token discounts, new products, and much more. This massive event is naturally expected to generate massive inflows for the crypto presale, and with 90% already sold out, investors will need to be ready.
Why $TAP Looks Like the Potential Crypto in 2025
Bitcoin is underperforming equities because AI has the narrative. Yet when liquidity returns, so will BTC outperformance. Investors should simply focus on the areas of the market showing life, and the best cryptos to buy now are still packed with upside potential.
Digitap is explicitly positioning itself as the digital-first finance app built for Gen Z and Millennials. Its central aim is to help ordinary users access stablecoins without needing to understand wallets, gas fees, or chains. And in the golden age of stablecoins, that makes $TAP a leading altcoin to buy.
As bitcoin works through the ETF euphoria and AI hype hangover, smart money continues to rotate into the few parts of crypto that continue growing. Digitap offers a live omni-bank, real revenues, and a token flywheel.
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
Please be advised that all information, including our ratings, advices and reviews, is for educational purposes only. Crypto investing carries high risks, and CryptoNinjas is not responsible for any losses incurred. Always do your own research and determine your risk tolerance level; it will help you make informed trading decisions.