With the passing of the Genius Act and increasing talk surrounding central bank digital currencies, DeFi is entering a new era. Crypto presales that offer reliable, regulated DeFi services could benefit from a growing market as the transition from fiat to digital currencies continues.
Digitap ($TAP) is perfectly poised to capitalize on this trend as a live omni-bank with legal compliance, Visa compatibility, and a functioning app available through iOS and Android. Its market position and delivered utility have analysts recommending it as one of the best cryptos to buy for 2026.
Other altcoins to buy, such as Aave, may have brought DeFi to life. But innovative omni-bank providers are more likely to carry it forward toward mainstream adoption.
Aave Set The DeFi Standard, But Tokenholders Saw Modest Returns
Aave helped define modern DeFi by introducing lending markets that allowed users to earn yield and borrow against crypto assets. Its early success demonstrated how on-chain finance could replace parts of traditional banking. The platform has become a core piece of DeFi infrastructure, attracting billions in liquidity. At the time of writing, it has facilitated over $900 billion in loan volume, with $1 billion in interest paid.
However, maturity has since changed the growth profile, and AAVE has not performed well on price. In fact, AAVE is down about 30% year-to-date at $162. In terms of historical profits, it yields investors less than a 200% ROI, despite playing such a significant role in the DeFi industry. The fact is that growth does not always translate into price appreciation.
This reality has pushed investors to explore earlier-stage DeFi platforms that also provide real-world utility for banking and payments. Many investors are looking beyond established protocols and toward altcoins to buy that offer similar financial utility at a lower entry point.
Digitap Builds DeFi Utility Into Everyday Banking
Digitap is a functioning omni-bank that merges DeFi tools with daily financial activity. It combines crypto and fiat in a single account, offering banking services such as deposits, payments, withdrawals, swaps, and transfers. Users can download the app on iOS or Android, get set up in minutes, and send money worldwide via multicurrency IBAN accounts.
Digitap further offers Visa-compatible card payments, meaning that it can be used worldwide at terminals that accept the provider. Payees can benefit from cashback directly into their accounts, facilitated through Digitap’s 50% profit redistribution. This token design enables a 124% staking APY and removes tokens from circulation to support long-term price stability.
A 124% staking APY is significantly higher than what is typically possible with decentralized lending. Aside from these yields, however, token holders can take advantage of predictable presale price increases. At each crypto presale round, the $TAP price will rise incrementally. Presently at $0.0439, it intends to list on an exchange at $0.14. From here, it could reach the $2.0 mark, pending an increase in traffic and global spending.
Because the platform is already live, the development risk is greatly reduced. One of the most concerning issues with crypto presales is whether or not they can deliver on promises. This is not an issue with Digitap because it can be tested by investors prior to token purchase.
Unlike speculative projects, the omni-bank allows users to interact with real services today, which is likely why it has already seen $4 million in whale investment in such a short time span.
Tiered KYC For Customizable Market Access
One of the original reasons for the migration to DeFi was frustration with legacy banking services. Accounts could be closed without warning, costs were high, privacy instructions were common, and KYC mandates were challenging to comply with. Digitap resolves these issues with a tiered KYC approach that allows for minimum user friction.
Users can select their compliance tier depending on their needs. This ranges from low-KYC to legal offshore banking services, something which is becoming increasingly needed in a world of asset and account seizures. It is always beneficial to have assets across multiple jurisdictions for diversification purposes, especially in times of economic volatility.
This also means that Digitap’s total addressable market is very large. It includes billions of globally unbanked individuals as well as millions of remote work professionals and expats who want access to finance without excessive bureaucracy. The app can be downloaded in minutes with smooth onboarding for citizens the world over.
In summary, Digitap is a low-cost crypto-to-fiat omni-bank that is globally accessible, with a approximately 5-minute account setup time. There is nothing comparable in either the CeFi or DeFi industries, and it takes the best elements of both to provide something new to the market.
Why $TAP Is the Best Fintech Altcoin To Buy
DeFi is evolving, and competition is fierce. The Digitap crypto presale offers something unique as the world’s first omni-bank with tiered KYC and a delivered product that people can use today. It combines the functionality of traditional banking with the accessibility, speed, and privacy of crypto.
This is primarily why analysts have recommended it as the best crypto to buy compared to DeFi tokens such as AAVE. Whales seeking discounted altcoins to buy have also invested heavily, with $4.3 million raised in a relatively short time frame.