In the late stages of every cycle, altcoins tend to outperform BTC. While Bitcoin cools off, liquidity rotates, and the assets that looked beaten and downtrodden start to run hardest. This cycle of buying altcoins has been difficult, and investors have had to be more selective.
But in 2026, with rate cuts on the horizon, hefty U.S. tax refunds, and a market that has already cleared out the worst excesses, the leading altcoins to buy could literally melt upwards next year.
If altcoins start to outperform BTC in the next leg, which are the best cryptos to buy now? Which altcoins can actually justify a large valuation? Banking tokens and PayFi rails sit at the top of that list, and Digitap ($TAP) is quickly becoming one of the most-watched crypto presales. Here’s what investors need to know.
Macro Tailwinds and the Setup for an Alt Season
Altcoins have been beaten up this cycle, and the OTHERS chart is sitting at the 200-week moving average support—long overdue for a strong bounce for altcoins. The macro stars are lining up perfectly. Markets expect meaningful rate cuts next year when Trump appoints a new Fed chair, and a wave of tax refunds and fiscal spending should recapitalize retail investors. Rocket fuel for altcoins.
Now the race is on to find the best altcoins to buy, and investors are searching for assets with real growth stories. Memecoins dominated the last wave of mania, and this time around, utility will likely be in the driver’s seat. And the real area to watch is projects that benefit from the growth of stablecoins—these are likely the best cryptos to buy now.
From Meme Coins to Money Apps
Stablecoins are crypto’s most important invention. Supply has surged, and these digital dollars are slowly becoming the dominant global payment corridors. However, the user experience is still awful for non-crypto natives.
That is where PayFi—payment-focused finance built on crypto rails—comes into play. Banking tokens that make stablecoins invisible yet useful for ordinary people are likely to see enormous growth in 2026, and Digitap has emerged as a front-runner crypto presale for next year and beyond.
Digitap’s Omni-Bank: A Global Money App for the Stablecoin Supercycle
Digitap promises one thing: all money in one place. This global money app allows users to manage, pay, send, and swap fiat, stablecoins, and crypto in a single account. The product is already live on iOS and Android. Users can hold more than 20 local fiat currencies and more than 100 cryptocurrencies. The big difference is the rails.
Underneath the neobank-style dashboard sits a multi-rail architecture. Digitap optimizes all transactions, and whenever a user presses send, the AI-powered routing engine gets busy. It scans different rails for cost and speed in real time. Sometimes the best path is an on-chain stablecoin transfer. In other cases, it might be a traditional corridor like SWIFT, SEPA, ACH, or Faster Payments. Digitap integrates both.
Money arrives in real time, and even across the world, fees are less than 1%. Much lower than the 6.4% average fee charged by remittance companies, and here is the first trillion-dollar industry Digitap could disrupt next year. Digitap has also already launched virtual and physical Visa unlocking on-chain balances in the real economy.
This is what makes Digitap different from other PayFi altcoins to buy. It already has a live app that reflects how Gen Z and millennials manage their finances. And this digital-first approach could yield wild gains next year.
How the $TAP Token Fits into the Ecosystem
The appeal of Digitap as one of the standout altcoins to buy is the design of $TAP itself. The token is at the heart of the ecosystem and has a powerful flywheel design that converts product usage into holder value. Digitap has committed to directing 50% of platform profits to burns and staking rewards, meaning investors will share in the platform’s success.
The Digitap crypto presale has raised around $2.2 million, and first-round participants are sitting on roughly 160% paper gains already. The current stage is priced at $0.0334 and 95% sold out, with a jump to $0.0361 coming in less than 2 days.
With a confirmed listing price of $0.14 and exposure to a real product already used by thousands of active users, $TAP could easily be the best crypto to buy now for 2026, if the team executes well.
If Altcoins Outperform Bitcoin, $TAP Could be the Next Crypto to Explode
If altcoins start ripping, investors need to remember that not all sectors are created equal. Memecoins have already had their euphoric phase and are unlikely to lead again. Layer 1 tokens are already overowned, and the most interesting plays are low-caps with enormous addressable markets.
Banking and cross-border payments fit that description perfectly. Trillions of dollars move across borders every year. Hundreds of millions of users remain unbanked. And stablecoins have proven that crypto can solve the settlement problem. All that is missing is a good front-end application.Digitap is designed to be that surface. It leverages stablecoin rails, packages them in a familiar interface, integrates multiple rails, and attaches a strong token to the platform. If altcoins are going to outperform Bitcoin from here, there is a strong case that omni-banking tokens like $TAP sit near the top of the list of altcoins to buy in that scenario.
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.