Spot bitcoin ETFs are on fire again, with institutional buyers entering in size. On December 2nd, U.S. spot BTC products traded more than $5.1 billion in volume, even as BTC’s price remains depressed.
A large chunk of this was driven by Vanguard, a global asset manager with 11 trillion AUM, which is now allowing clients to trade crypto ETFs. The plumbing for a massive and sustained bid under BTC and the largest altcoins is now in place.
Now investors are scrambling to find altcoins to buy in Q4, with payments and banking forecast to drive the next leg of growth. Digitap ($TAP), an omni-bank, is emerging as one of the few crypto presale projects that already behaves like a fintech. For investors looking ahead, $TAP is steadily climbing the list of best cryptos to buy now, and with $2.2 million already raised, it seems like smart money has arrived.
Spot BTC ETFs: The New Base Layer of Crypto Demand
Spot Bitcoin ETFs mean a permanent passive bid under crypto’s leader. Flows into these vehicles remain volatile day to day, but the direction of travel is clear. With billions in net inflows and daily trading volumes that occasionally rival the largest equity ETFs, BTC has become a serious asset on Wall Street.
Vanguard’s decision to let clients access these assets is the final part of the puzzle. While BTC is still a long way below its ATH of $126,000, it has formed a hammer candle on the weekly chart—one of the most bullish candlestick patterns. And Vanguard opening access for clients could well mark the bottom.
However, BTC trading just below six figures is not the trade it once was. Smart money is already hunting elsewhere and appears to be increasingly drawn to the PayFi sector. For fund managers who have BTC exposure via ETFs, the next step is to allocate a portion of risk to a high-conviction crypto presale in the PayFi lane—and Digitap fits the bill perfectly.
Digitap: The Omni-Bank Built for the Stablecoin Supercycle
Digitap is the world’s first omni-bank. A single global money app where fiat, stablecoins, and crypto live inside one balance. The app is live today on iOS and Android and already supports more than 20 fiat currencies and over 100 crypto assets across multiple chains.
Underneath the consumer-friendly user interface sits the architecture that has captured the market’s attention. Digitap uses a multi-rail settlement engine that can route payments over public blockchains or traditional systems such as SWIFT, SEPA, ACH, and Faster Payments. This means global payments are always optimized and opens the door for Digitap to disrupt a trillion-dollar industry.
The Visa card program is making crypto more spendable in everyday life, and thousands of people are already using virtual and physical cards that can be plugged into Apple Pay and Google Pay. The non-KYC virtual issuance has proven popular with crypto-native users who want instant spending power with their on-chain capital. And Digitap is blurring the line between fiat, stablecoins, and other on-chain balances.
As crypto becomes more normalized, more users will want banking experiences that bridge fiat, crypto, and everyday spending. Digitap is positioning itself for that future today.
$TAP Tokenomics: A Masterclass in Value Capture
The token economics behind Digitap are a major reason why $TAP has blown past other crypto presales and ranks as a top altcoin to buy in the PayFi sector. 50% of platform profits are reserved for open-market purchases of $TAP. Half are burned forever, and the other half are distributed to stakers.
This flywheel design reduces supply and turns $TAP into an income-producing asset for holders. And in a market full of useless governance tokens, this kind of flywheel stands out, making $TAP one of the best cryptos to buy now from a value-capture perspective.
To date, Digitap has raised more than $2.2 million, and early buyers are already up more than 160% on paper. The current stage price is $0.0334 and is 95% sold out, with a scheduled step to $0.0361 in 2 days.
Why the Digitap Crypto Presale is Emerging as the Cleanest ETF-Era Banking Trade
As spot BTC ETFs take over Wall Street and giants like Vanguard finally open the gates, the real question is what assets benefit from increased inflows. Likely stablecoins and PayFi.
In payments and banking, the Digitap crypto presale is one of the few projects that already has working product-market fit, growing user numbers, and a token model that directs value back to holders. For investors who believe in the stablecoin supercycle and these digital dollars becoming the leading global payment rails, $TAP emerges as a leading crypto to buy now.
Discover the future of crypto cards with Digitap by checking out their live Visa card 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
