Market cycles often repeat in patterns. In 2020 and 2021, research-focused Cardano (ADA) attracted early buyers before mainstream adoption. Today, investors are searching for altcoins to buy with a similar setup — but in the banking sector. This area has a broader appeal and a more urgent need, given the dire circumstances associated with centralized banking.
This has pushed attention toward the crypto presale market, particularly those with a payments and banking focus. With a live product, tiered KYC, early-bird pricing, and Visa-compatible card payments, Digitap ($TAP) stands out as the best crypto to buy. Cardano, with its academic focus, is moving out of the picture.
How Cardano’s 2020 Breakout Was Built Before The Crowd Arrived
Cardano has a strong reputation as an academic blockchain. Cardano’s early growth phase was a long period of quiet accumulation, developer progress, and steady community expansion. And this became reflected in its price. From a low of $0.025 in March 2020, it rose to $2.8 by August 2021 — over a 100x.
Investors who entered before the broader market recognised its potential benefited most from the later rally. What made that phase powerful was timing. Cardano was still small enough to grow fast, yet developed enough to attract serious capital. As adoption increased, price followed usage and visibility, not speculation alone.
This pattern is now being studied by investors who want to position earlier in the cycle. Instead of waiting for established networks to recover, many are screening altcoins to buy that resemble early Cardano in structure and timing. The tokens do not have to be in the same industry, just to have a similar setup. Banking-focused crypto presales tend to fit this profile.
Why Digitap Mirrors Early Cardano From A Utility Perspective
Digitap is structured as an omni-bank that combines crypto and fiat services in one live platform. Users can manage funds, make payments, swap assets, and move money globally without relying on multiple tools. This real-world utility gives it a foundation beyond trading narratives. The app is already live, with a single account for both fiat and crypto banking.
The platform is already operational, which reduces delivery risk. Instead of selling future promises, Digitap allows adoption to begin immediately. This practical rollout is similar to how Cardano built trust through consistent progress rather than short-term hype. With Digitap, users can download the payments app on iOS or Android, set up an account in minutes, and pay with a Visa-linked card immediately.
This is a major USP that is unrivalled by the vast majority of other crypto presale projects. Investors can test the product before they decide to purchase tokens. And from an adoption standpoint. Utility-first platforms often gain users before price momentum accelerates.
The token model supports long-term growth. Platform activity feeds into staking rewards and supply reduction, creating incentives that reward holding rather than quick selling. This structure supports price stability while adoption grows. 50% of platform profits are redistributed to holders in the form of 124% staking APY or token burns to stabilize the price.
Banking Adoption Could Make $TAP The Best Crypto To Buy
Banking and payments represent one of the largest untapped crypto markets. As more people look for alternatives to traditional finance, platforms that offer everyday financial tools are gaining traction. Digitap is positioned directly in this demand stream with a working product that offers multicurrency accounts, Visa payments, and fiat-to-crypto interoperability.
Digitap also provides a fluid KYC model that allows users to select their compliance level.
This means that users can select low KYC for immediate onboarding, or higher tiers for additional layers of protection, relevant to business owners who want offshore banking and asset protection. The end result is a much larger target market, including billions of globally unbanked and millions of remote work professionals, expats, and digital nomads.
Because Digitap is still early in its expansion phase, its growth potential differs from that of mature networks. This explains why it could follow a similar adoption curve to early Cardano, but focused on banking utility. It offers a solution to an existing pain point, with a fully functioning omni-bank ecosystem that is globally accessible and immediately available.
Why Digitap Is The Best Banking Play For 2026
Cardano’s breakout showed how early positioning can outperform late-stage entries. The Digitap crypto presale offers a similar opportunity, but in the financial services space, where there is a distinct requirement.
The fact that the product is already operational sets it apart from speculative altcoins to buy, which carry more risk and fewer USPs. Tiered KYC, structured price increases, Visa compatibility, and a live Solana integration further distinguish it as the best crypto to buy at the present time.
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