Investors hunting the next wave of utility-driven opportunities are increasingly filtering out crypto presales that look good on paper but lack real delivery. While some projects promise PayFi and cross-border payment solutions, delivery matters more than marketing alone.
In this regard, Digitap ($TAP) consistently appears on lists of altcoins to buy because it offers a financial utility people can use today to make everyday payments. In contrast to Remittix, which focuses on its PayFi narrative, it offers a working app on iOS and Android, along with Visa-compatible card payments and a full set of banking services.
These USPs make it the best crypto to buy today, compared with competitors such as Remittix.
Remittix’s PayFi Pitch Faces Skepticism And Weak Delivery
Remittix is a PayFi platform that lets users send crypto and have the recipient receive fiat directly into bank accounts, with zero FX fees and instant delivery. This is a strong narrative with borderless access and the ability to gain maximum value out of crypto holdings. On the back of this narrative, it has raised over $28M thus far at a price of $0.119.
However, a number of online reports have raised doubts about execution and transparency. Independent reviews and user feedback on public forums highlight issues, including delayed token delivery, lack of clear team information, and no product delivery. This increases the execution risk as the apps have yet to be released and the product remains theoretical.
Building a platform that reliably bridges crypto and fiat settlement is complex; without verifiable traction, the PayFi promise may remain that — a promise. There are many legal hurdles to overcome, and Remittix has a narrow focus on crypto-to-fiat payments, primarily targeting online merchants.
It stands to lose out to omni-bank providers that offer fiat-to-crypto services within a much wider range of offerings. Right now, the market is crying out for unified banking services without needing disparate applications for separate services.
What Sets Digitap Apart In The Payments Space
What sets the Digitap omni-bank apart from Remittix (and 99% of other crypto presales) is that the product is already live on Android and iOS. It can be immediately downloaded for banking services, including deposits, withdrawals, swaps, payments, and transfers. A single account allows for crypto-to-fiat interoperability, and investors can test the app before allocating any capital.
Digitap also provides a tiered KYC model so that users can select their verification level. The minimal KYC option allows for instant downloads across the globe, while business owners might choose higher verification tiers to avail of legal offshore accounts on top of invoicing and payroll.
Digitap’s light-touch regulatory compliance ensures it fits in with the existing banking infrastructure but remains open enough to cater to the billions of globally unbanked, remote work professionals, expats, and digital nomad populations. These demographics also want increased control over their financial affairs, which Digitap provides through its innovative framework.
Its early bird pricing at $0.0411 is also attractive to international investors, with over $3.6M raised in Q4, 2025, alone. At each subsequent round, the price will rise incrementally, providing a sense of predictability and stability as compared to the wider crypto market.
Why Utility And Execution Matter More Than PayFi Hype
In the current market environment, delivered utility is the most important feature by far, as it reduces one of the primary risks associated with crypto presales — actual product delivery. The AI era allows for near-instant creation of whitepapers and websites — the real test is whether or not users can download and use the product today. There is no greater proof than having the product already delivered for everyday payments and transfers.
Instead of depending on future milestones, Digitap’s ecosystem already functions with real users. The token model amplifies this utility with a 50% platform profit redistribution, which goes to staking APY and a dedicated burn address for price stabilization. This creates a clearer link between usage and token value.
While the two payment ecosystems might seem similar at first glance, upon closer examination, they are worlds apart. Remittix has not delivered any product, is not legally compliant, offers no staking APY, has no token burn, and is focused on a small market of online merchants.
Digitap is a live omni-bank offering deposits, withdrawals, swaps, payments, transfers, 24/7 support, invoicing, payroll, 124% APY, a 50% token redistribution, multicurrency IBANs, and offshore services. These are live today, and its fluid KYC model means that it has universal appeal with zero barriers to entry.
$TAP: The Best Payments Focused Altcoin To Buy
Choosing between crypto presales with similar claims but different stages of execution highlights the importance of delivery. While Remittix’s PayFi concept targets a real problem, mixed signals about execution pose a risk for anyone allocating capital based on future promises alone.
In contrast, Digitap’s live infrastructure and measurable usage trends support a more stable basis for those looking for altcoins to buy. It has a larger target market and a far more extensive set of services for unified banking across the globe.
The best cryptos to buy are those that have already delivered a working product, which is why Digitap is killing the Remittix narrative for 2026. Its approach aligns with how serious traders now evaluate altcoins to buy: prioritising delivery over hype, utility over slogans, and measurable momentum over vague roadmaps.
Discover how Digitap is unifying cash and crypto by checking out their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
