Ethereum experienced a significant downturn on December 1st, showing weakness after a period of dominance. The cryptocurrency is trading near the historic $2,700 range, with indications it may test the 200-week moving average. This level is considered a critical indicator, marking the boundary between a bullish trend and a prolonged bear market.
A decisive break below this key support level could signal a need for investors to exit positions, especially given the concurrent decline in equity markets. Amidst this broader market weakness, the Digitap ($TAP) crypto presale has demonstrated remarkable resilience, surging by over 160% and raising more than $2.2 million.
This market movement suggests a rotation of capital from Layer 1 protocols to banking and payment tokens. These types of assets are currently benefiting from the growing adoption of stablecoins, positioning them as potentially strong investments for the coming years. Investors are faced with a choice between Ethereum, which appears to be declining, and Digitap, which is in its early stages of growth.

Ethereum’s 200-Week Test and What It Really Signals
The 200-week moving average is a crucial metric in cryptocurrency markets, often serving as the definitive line between bull and bear markets. Ethereum has only fallen below this average twice in recent memory: during the market correction in October 2023 and again in March 2025. Both instances occurred during periods of intense macroeconomic stress, leading to forced liquidations and a significant deleveraging event.
Ethereum's current drift towards this significant moving average represents a market consensus on its future value heading into 2026. As the foundation for a substantial portion of Decentralized Finance (DeFi) and the primary home for most stablecoins, ETH holds a fundamental position in the crypto ecosystem. Theoretically, it remains a strong candidate for investors seeking the best cryptocurrencies. However, current positioning and valuation present significant challenges.
Ethereum is now behaving more like a slow-growth stock, making its recent 10% downturn particularly concerning. The question arises: who is the marginal buyer at these price levels? If the 200-week moving average holds, proponents will argue it was merely a market shakeout.
Conversely, if this critical support level is breached, ETH holders should prepare for a potentially severe downturn. This market uncertainty naturally drives investors to seek alternative opportunities, with many currently favoring altcoins that function more like fintech solutions rather than traditional protocols.

Inside Digitap’s Global Money App
Digitap aims to consolidate all forms of money into a single account, designed for seamless operation in a digital-first world. The application, available on iOS and Android, allows users to manage over 20 fiat currencies and more than 100 crypto assets across multiple blockchains. This unified view is presented through an intuitive, neobank-style interface, eliminating the need to juggle multiple exchanges, personal wallets, and traditional banking applications.
Leveraging public blockchains for speed and established financial networks like SWIFT, SEPA, ACH, and Faster Payments, Digitap's multi-rail design ensures efficient transactions. Its integrated Visa card already has a substantial user base spending cryptocurrency in everyday commerce, with the non-KYC option proving to be a significant differentiator.
This product appeals to both seasoned crypto users and newcomers alike, directly addressing the needs of freelancers, remote workers, and the underbanked population. Users can receive payments in stablecoins, hold a portion of their assets in BTC or ETH, and convert the remainder to their local currency.
Digitap's strategic advantage lies in its ability to deliver an improved financial experience without requiring users to adopt entirely new behaviors. It refines existing financial practices, making it a compelling option within the PayFi sector and a leading altcoin to consider.
The result is a banking experience that feels fundamentally different. Cross-border transactions, which traditionally took days and incurred significant fees, now settle in minutes for a fraction of the cost. Domestic transfers are instantaneous, and conversions between crypto and fiat occur in real-time. Digitap is effectively transforming all forms of value into functional money, blurring the distinctions between fiat, stablecoins, and cryptocurrencies.

$TAP Tokenomics: Fintech-Style Value Capture in a Crypto Presale
A key attraction for astute investors is Digitap's innovative approach to value distribution to its token. Digitap has committed to allocating 50% of its platform profits to repurchase $TAP on the open market. Of this amount, 50% will be permanently burned, while the remaining half will be distributed to token stakers.
This model closely resembles a fintech revenue-share structure rather than a typical protocol governance token. As the Digitap omni-bank expands its operations, processes greater transaction volumes, and increases its profitability, this will translate into more significant token buybacks.
Early participants in the presale have seen paper gains of approximately 160%. The current price of $0.0334 is scheduled to increase to $0.0361 within three days. With a confirmed listing price of $0.14, there remains substantial potential for growth for investors who act promptly in this presale.

ETH (Layer 1) vs. Digitap (Banking): Which is the Crypto to Buy Now?
Ethereum's recent 10% decline to the $2,700 range and its approach towards the 200-week moving average serve as a stark reminder that the cryptocurrency market is entering a bear phase. In such conditions, fundamentally sound assets and payment tokens often emerge as the most resilient investments, as their utility is less dependent on broader market price fluctuations. The movement of money globally remains a constant, regardless of Bitcoin's price.
Digitap's omni-bank continues to attract new users, increase card usage, and build momentum in its fundraising efforts. The tokenomics model directly links platform profits to buybacks, token burns, and staking rewards, offering token holders a tangible stake in a functional product that addresses real-world financial needs.
In a market environment that increasingly rewards assets with demonstrable cash flow, it is understandable why many consider Digitap one of the best cryptocurrencies to invest in for the coming year. This crypto presale has already delivered a functional global money application tailored for the digital age.
In many respects, $TAP represents a similar growth opportunity that Ethereum once offered during its initial coin offering (ICO) phase. However, this time, the growth narrative is centered on providing advanced banking solutions for a digitally-native world.

