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Stablecoins have become crypto’s best product, and even in the current bear market, payments remain the one lane that has not slowed. While majors lose key levels and investors become far more selective with risk, there are plenty of PayFi gems that continue to skyrocket.
In a downturn, narratives get stress-tested. Concepts are easy to sell when momentum is strong, but when prices go red, utility is the only thing that matters. The projects that continue to onboard users now will be the ones that lead the next cycle.
Time to analyze BlockDAG vs. Digitap ($TAP). Which is the best crypto to buy now as stablecoin payments take over global finance? Digitap is pushing into first place with its global money app, and it is one of the few crypto presale stories accelerating in this environment.
Here’s what investors need to know about payments and product reality and why Digitap is rapidly becoming one of the most interesting altcoins to buy heading into 2026.
BlockDAG: The Crypto Presale That Never Ends
BlockDAG promises to build a brand new layer one. The new design will be a Directed Acyclic Graph (DAG) that can validate transactions faster than a traditional blockchain. The basic idea is parallel execution. Instead of processing each block sequentially, a DAG structure can process multiple blocks simultaneously.
The pitch is simple: a high-speed Layer-1 with a big community funnel and a long runway ahead. The concern is more nuanced. BlockDAG has been raising funds for nearly 2 years, and as this crypto presale stretches on, it is starting to look less like a real product and more like a perpetual fundraising loop. This is a real risk that investors should price in carefully.
Digitap: An Omni-Bank
Digitap is playing a different game. It is delivering a banking product that people can use today, and it is leaning directly into the stablecoin supercycle by turning stablecoins into spendable currency anywhere, blurring the line between fiat and crypto, all packaged in a familiar interface.
Payments are one of the only lanes that can thrive during a bear market because they are anchored to real economic activity. Digitap’s positioning is aligned with that reality. It is a live global money app built around a one balance experience.
Fiat and crypto sit together, and stablecoin rails do the heavy lifting in the background for cross-border payments. And Digitap has licensed banking partners that enable it to tap into SWIFT and other traditional rails as well as process instant crypto-to-fiat swaps.
This crypto presale is increasingly becoming a safe harbour precisely because it can keep growing even if sentiment is bad. The fact that Digitap managed to raise more than $2.5 million in bad market conditions speaks volumes, and thousands of users have already signed up for its Visa card.
Why Digitap’s Visa Utility Offers an Edge in a Bear Market
The fastest way to understand Digitap’s advantage is to think about what traders and investors actually want when prices are falling. They want the ability to move between crypto and cash quickly. They want a product that can be used, and that is why Digitap’s payments-first utility matters.
The Visa card program enables instant conversion of on-chain assets to fiat at millions of merchants worldwide, and for users seeking premium banking features, it offers offshore accounts. Digitap leans into the privacy spectrum. Basic no-KYC access for users who want speed and simplicity, and higher-tier pathways for users who want expanded limits and more tailored banking features.
Then there is token design. Digitap’s buyback-and-burn is perfect for a bear market. 50% of profits go to stakers and burning $TAP. This means $TAP acts as an ownership layer that accrues value as usage scales.
This strong design choice is what makes $TAP one of the most interesting altcoins to buy this year, and its current price of $0.0371 is heavily discounted compared to the confirmed listing price of $014. That’s a nearly 4x from today’s price until launch.
Which is the Smarter Crypto to Buy Now for 2026: BlockDAG or $TAP?
BlockDAG is an infrastructure bet. But has plenty of execution risk given the ongoing length of its crypto presale. Digitap is an application-layer product that is already live and aligned with the most durable growth lane in crypto—stablecoin payments. It is packaging them for broader adoption beyond crypto natives. In a bear market, that means greater resilience and higher upside driven by real value creation and real customer acquisition.
Until the 24th of December, investors can take advantage of the 12 Days of Christmas campaign. There are two offers per day, each lasting 12 hours. Available rewards include free Premium and Pro account upgrades, $TAP token bonuses, and other first-come, first-served perks.
Digitap is behaving like a serious crypto product business, and in this environment, that is exactly what investors tend to gravitate toward, making it a strong candidate for the best crypto to buy now heading into 2026.
Discover the future of crypto cards with Digitap by checking out their live Visa card project here:
Disclaimer: This is a paid post and should not be treated as news/advice.