With an ongoing bear market depressing all major assets, big money investors are pivoting towards crypto presale projects with real products and revenue plans, rather than hype. In a fear-based environment, delivered utility tends to dominate over speculative claims
This is why Digitap ($TAP) leads this month’s rankings as the top altcoin to buy, soaring past contenders such as SpacePay ($SPY), NexChain ($NEX), and LayerBrett ($LBRTT). As a live omni-bank with Visa integration and a functional payment application on iOS and Android, $TAP is rapidly becoming known as the best crypto to buy now.
- Digitap ($TAP): Live Omni-Bank Blending Fiat & Crypto.
- SpacePay ($SPY): Fintech Payments With Merchant Integration.
- NexChain ($NEX): AI-Powered High Performance L1 Blockchain.
- LayerBrett ($LBRTT): Fast-Growth DeFi Tools With Expanding Community
1. Digitap ($TAP): Live omnibank blending fiat and crypto, $1.9M raised
Digitap ranks first because it solves a real problem. Users want one app for payments, savings, cards, and digital assets. Digitap connects crypto with normal financial services, which gives it a wider use case than other tokens. It is simple to understand and built for mass adoption. For these reasons, it has already seen $1.9M of investment.
Through one account, users have complete control over their financial affairs, with instant deposits, withdrawals, payments, and transfers. It also offers zero-KYC access, which makes the application globally accessible and expands the addressable market significantly. This appeal extends to first-world residents who are dissatisfied with centralized banking services, along with the estimated 1.4 billion globally unbanked who have no financial access.
Along with its retail and business utility, its tokenomics provide long-term price stability to investors. At $0.0313, it’s 77.64% discounted from the projected $0.14 launch price. $TAP brings value through burns and staking rewards, with 50% of platform profits committed to both, as well as 124% APY. Such USPs have prompted analysts to claim that $TAP is the best crypto to buy now.
2. SpacePay ($SPY): Fintech payments with merchant integration, $1.4M raised
SpacePay focuses on simple global payments, merchant tools, and low-cost transfers. Its model connects crypto payments with normal checkout flows, making it easier for firms to accept digital assets without complex setups or specialist hardware. This gives SpacePay a wider real-world appeal and positions it well for long-term adoption in the everyday payments market. Thus far, it has raised over $1.4M.
Early presale momentum has been steady due to its clear role in the fintech space. The token price remains low enough for early accumulation, and buyers appreciate the emphasis on real product utility rather than hype-driven features.
For investors searching for the best crypto to buy in the fintech segment, SpacePay offers a clear route to practical usage with merchant integration and broader market fit. But it lacks the complete feature set of a fully fledged omni-bank. Moreover, its focus is on merchant adoption rather than global utility, which narrows its addressable market.
3. NexChain ($NEX): AI-powered high-performance L1 blockchain, $12M raised
NexChain is an AI-powered L1 blockchain that merges PoS consensus with AI to deliver high performance, low fees, and scalability. It aims to power truly decentralized AI-based blockchain apps. It claims ultra-high throughput with up to 400,000 TPS and ultra-low transaction fees. The NEX presale has raised nearly $12M thus far.
NexChain redistributes 10% of daily gas fee revenue directly to NEX holders in non-custodial wallets, rewarding long-term participants. Interoperability is another core feature. NexChain supports cross-chain bridges to other blockchain ecosystems, allowing assets and dApps to easily communicate. The platform also offers developer SDKs and APIs so projects can leverage its AI modules for smart contract automation.
NexChain continues to receive strong attention from both retail buyers and semi-professional traders. Among active crypto presale projects, it stands out for its clear product value and steady adoption curve.
4. LayerBrett ($LBR): Fast-growth DeFi tools with expanding community, $4.4M raised
LayerBrett is an Ethereum L2 blockchain designed to combine fast, low-cost transactions with a vibrant community. It processes most activity off-chain while settling on Ethereum, reducing gas fees and improving scalability for everyday users. The presale price is currently around $0.0058, with an APY of 586% and a raise of $4.4M.
The protocol incorporates staking, governance, and rewards mechanisms, allowing token holders to actively participate in the project’s growth and future upgrades. LayerBrett’s tokenomics emphasize long-term participation through staking rewards and community engagement, giving early buyers a clear incentive to hold.
What sets it apart is the combination of meme culture and real blockchain infrastructure. Unlike purely speculative meme coins, LayerBrett provides tangible L2 functionality for faster transactions, governance influence, and staking returns. The project has cultivated a loyal base, making it a standout altcoin to buy.
However, meme ecosystems rarely deliver long-term value unless the social momentum is significant.
Why $TAP is the best crypto to buy this November
Each project brings something different, as viable altcoins to buy this November. SpacePay pushes fintech payments, NexChain builds AI tools, and LayerBrett combines memes with scalability. Yet Digitap remains a clear winner because it connects user banking with crypto tools in one system that is easy to use and live to download.
For investors focused on strong upside and clear use cases, Digitap is still the best crypto to buy now in November 2025. It functions at any Visa-compatible terminal, offers a full suite of financial services, and is accessible from both iOS and Android.
In other words, it has already delivered the product before the fundraising is finished, which is almost unheard of in the crypto presale industry. That’s a massive USP for investors worried about product delivery from less reputable projects.
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
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
Disclaimer: This is a paid post and should not be treated as news/advice.