DeFi blew the doors off the last cycle. The DeFi Summer boom sent layer 1s to absurd valuations, and crypto pays users to be long the dominant trend. In 2025, stablecoins and banking utility are taking over as the best cryptos to buy now.
Under that new regime, one crypto presale has been flying: Digitap’s ($TAP). This omni-banking app is building a digital-first banking experience, where fiat, stablecoins, and crypto all work together. It has overtaken BNB’s ecosystem hype and is already ranking as a top altcoin to buy in 2025.
Could $TAP be the biggest gainer in the stablecoin supercycle and outperform BNB? Here’s what investors should know.
BNB: Upstart to Slow-Grower
BNB remains a heavyweight and leading crypto to buy now for long-term exposure to the industry. Anchored by Binance, one of the largest exchanges in the world, it still boasts one of the most robust DeFi ecosystems in crypto. And after topping out near $1,400 earlier this year, then retracing to $800, BNB is looking good for a bounce at these levels.
The central problem is BNB’s price success and current size. BNB’s story is now well understood, and the market has priced it efficiently. Plus, Binance’s business model has been in decline against its central rival, Coinbase, with the flurry of positive crypto regulation ushered in by the Trump administration.
BNB crushed it last cycle and was undoubtedly a top altcoin to buy in 2021, capturing the upside of 2021’s excess. But as crypto evolves, investors also need to evolve, and with stablecoins dominating mindshare, Digitap appears better positioned to capture the current era’s behaviour.
Digitap’s Omni-Bank: Banking Utility in the Stablecoin Era
Digitap is bringing the best of both worlds together in a single global money app. It is building a full-stack global money environment—a fancy way to describe an application that supports fiat and crypto and allows users to send, swap, receive, and pay in real-time. Currently supporting more than twenty fiat currencies, stablecoins, and over one hundred crypto assets across multiple chains.
The app is live today on iOS and Android, and thousands of users are already receiving funds, holding balances, swapping between fiat and crypto, sending money internationally, and spending on-chain balances with the Visa card. All the complication is abstracted away, and for the end user, it looks and feels like a modern neobank. Except they benefit from crypto speed.
Disrupting global payments is the big prize this cycle, and that’s why this crypto presale has become one of the biggest names in PayFi. Globally, remittance providers still charge north of 6% on average, with settlement times measured in days. Digitap can push value across borders in minutes for less than 1%. And for unbanked users, migrants, freelancers, and remote workers, this app can change their lives today.
Most importantly, the design is digital-first. Gen Z and younger Millennials already manage their finances almost exclusively via mobile, and Digitap is building for this generation. And by delivering crypto’s upside without any of the complications, it presents itself as a top crypto to buy now and potentially an app that could onboard the next cohort of users on-chain.
$TAP’s Next-Gen Tokenomics
$TAP has been engineered to capture value for token holders. With a total supply of 2 billion and one of the most aggressive deflationary designs seen this year, it is unsurprising that $TAP ranks as a leading altcoin to buy.
50% of platform profits are burnt, and the rest are rewarded to stakers. This clean, mechanical flywheel means that the platform’s success feeds the token’s success. And in many ways, $TAP looks more like equity than the governance tokens crypto traders are used to.
Its ongoing crypto presale has raised nearly $2.3 million, and the current price of $0.0361 offers a massive discount from the confirmed listing price of $0.14.
Which Crypto to Buy in 2025? Why $TAP’s Banking Utility Beats BNB’s Ecosystem Hype
Investors now care more about where value accrues. BNB has had a wicked run this year, but it already has a massive market cap, and as markets mature, utility becomes more important. Digitap is built for this new era and is monetizing essential behaviours.
As stablecoin supply grows and more value comes on-chain, the applications that allow users to move between and manage fiat and crypto simultaneously should accrue more value. This appears like the largest opportunity in 2026 and the top altcoins to buy all plug directly into real-world value flows.
Digitap is positioning itself as one of those names. With a live omni-bank, thousands of users already experimenting with its global money app, and a buyback-and-burn design, $TAP is a real contender for best crypto to buy now before 2026.
