Bitcoin is getting dismantled in real time. Trading below $86,000, it is on the verge of losing the 100-week moving average, and ETF outflows are accelerating. Large institutional players are hoarding cash, and now there is even talk among analysts of an inevitable $50,000 crash.
Yet amid all this chaos, Digitap ($TAP) has raised more than $2.2 million, and the $TAP token is up more than 160% on paper from its initial presale price. This difference in sentiment and performance has smart money paying attention, and this crypto presale has rapidly become one of the best cryptos to buy now in December.
While majors unwind, the Digitap crypto presale behaves more like an early-stage fintech rollout. PayFi continues to stand out as the cleanest area to drive fresh growth, and as stablecoins eat the world, projects like Digitap could quickly become blue-chips in 2026. Here is everything investors need to know.
BTC Below $86K: Has the Bear Market Begun?
Bitcoin’s drawdown is more serious than normal. And losing the 100-week moving average after printing six-figure highs would essentially confirm that BTC is already in a bear market. Large pull-backs are normal, but BTC puking down nearly 32% in a matter of weeks looks and feels different.
The picture looks nasty with equities rolling over and massive outflows from spot ETFs, which were supposed to hold BTC up this cycle. Analysts are talking of a flush below $50,000, and this could become reality as liquidity conditions deteriorate. While none of this price action destroys the long-term digital gold thesis, things look like they could get much worse in the short term.
As markets get more bearish, investors are returning to fundamentals and asking where actual value is being created. Increasing the answer is payment platforms with visible users and revenue, which are using crypto rails to outpace TradFi in industries that process trillions of dollars annually. And these nimble, almost fintech-style altcoins look like the best cryptos to buy now.
Inside Digitap’s Omni-Bank Design
Digitap has built the world’s first omni-bank. It is amazingly simple but highly effective. Its global money app, downloadable on iOS and Android today, that lets all forms of value live together. Fiat, stablecoins, and crypto assets share a single account. Tied together with 24/7 support and a clean neobank-style UX.
Today, it supports more than 20 fiat currencies and over 100 crypto assets across multiple chains. Now users don’t have to juggle multiple exchanges, wallets, and bank apps. They can do everything from a single dashboard. At the core of this omni-bank is its multi-rail architecture.
It brings the two worlds together and executes payments on public blockchains and traditional banking rails such as SWIFT, SEPA, ACH, and Faster Payments. Users get all the crypto speed and all the familiarity and trust of traditional finance. Digitap can send cross-border payments within minutes for less than 1%, which is why smart money thinks $TAP could be one of the best cryptos to buy now.
Its Visa program has already rolled out thousands of virtual and physical cards, bringing on-chain value into millions of stores globally. And the non-KYC virtual card has proven to be a massive hit among privacy-conscious users. This global money app is built for the digital-first generation. And this type of application-layer product turns crypto into a daily tool. And this crypto presale looks very mispriced relatively compared to its delivered utility.
$TAP as a Fintech-Style Ownership Layer
The other reason the Digitap crypto presale stands out as a leading altcoin to buy in December is the way $TAP is wired into platform economics. Digitap has committed to directing 50% of platform profits to token burns and staking rewards.
This design creates a clear flywheel. As more users are onboarded, cross-border volumes grow, and card spending increases, platform revenues expand. Those revenues fund additional buybacks, and the current price of $0.0334 looks very undervalued. First-round participants are already up around 160% on paper, and the next price increase to $0.0361 is scheduled in three days.
There is still plenty of room to capture upside for anyone buying today, with a confirmed listing price of $0.14. $TAP looks more like equity in a fast-growing fintech, and that’s why it continues to rank among the best cryptos to buy now.
What is the Best Crypto to Buy Now in December? BTC vs. $TAP, Why Banking Wins in 2026
Bitcoin’s massive drawdown and the rise of ETF outflows prove that even the crypto’s strongest asset suffers when liquidity dries up. Now investors need to think about which altcoins to buy to drive the next leg of growth.
Payments are an obvious area for enormous growth given crypto’s structural advantages in speed over traditional banks. Digitap is perfectly positioned as an omni-bank that unifies fiat, stablecoins, and crypto in a single account.
It is not surprising that $TAP stands out as one of the best altcoins to buy in the PayFi sector. As smart money rotates into the stablecoin-driven banking trade, which is likely to explode in 2026, $TAP is emerging as a leading crypto presale for its product-first execution. Could $TAP be the best crypto to buy now? Nothing is certain, but it is already leagues ahead of its competitors and majors as the bloodbath continues.
