The quest for the best crypto to buy now often comes down to early pricing, sector appeal, and clear utility. Investors want assets that are undervalued with 100x price potential. To achieve this, many are looking outside the usual narratives towards the new wave of payment and banking protocols.
Among the crypto presale candidates in this sector, Digitap ($TAP) stands out as a premium altcoin to buy. The live omni-bank merges fiat and crypto through a single, global payments layer with zero-KYC access and full user ownership.
Many analysts are evaluating what a realistic 100x scenario could look like for Digitap, which has already secured a Visa partnership and released a payments product from Google and Apple stores.
Banking And Payments Projects Move To The Front
The next group of growth assets originates from simple, financially focused platforms rather than high-risk sectors and large-cap coins. Users want smooth transfers, low fees, and real payment tools that work every day. Many of these tokens have gained interest because they behave more like early fintech networks than speculative meme plays.
Markets also favour clear revenue lines over abstract promises, which is why this category attracts attention from retail buyers and early-stage funds. A number of analysts believe this space has room for strong expansion in 2026, especially for teams that can deliver products before listing.
The sector is not dependent on hype cycles because demand already exists from normal users. That puts these tokens in a better position compared to high-cost mining apps or complex infrastructure chains that retail investors often avoid. With this shift, buyers looking for the best crypto to buy now are beginning to concentrate on banking projects with simple value stories.
Banking protocols are best entered during the crypto presale stage. Interest in early entries has been growing because presale pricing allows higher upside while keeping costs low. Buyers know they can enter at a point where the market has not priced in adoption or revenue yet. These projects also attract fewer short-term traders, which gives long-term holders a better base.
Digitap: The 100x Banking Gem Getting All the Attention
Digitap is a full omni-bank platform that merges fiat payments, crypto accounts, and simple money tools. Users can send funds, store assets, manage yield, and access payment functions in one unified app. The system connects traditional finance with the speed of Web3, removing the barriers most people face when moving between banking and crypto services.
A major part of its value model is the automatic split of platform profits, with 50% used for token burns and staking rewards. This gives $TAP a direct link between user activity and long-term value. The app is already live, and its Visa partnership helps the project stand out from other presale-stage banking tokens.
The current crypto presale price is $0.0313, increasing to $0.0326 in the next stage. Digitap has sold over 120M tokens so far, with more than $2M raised. Much of this has come from smart money investors who see the potential for major returns if the payments application achieves global adoption.
Analysts highlight that early pricing still leaves room for large upside if adoption rises, with 100x estimations putting $TAP above $3.0. This combination of delivery, strong demand, price potential, and clear financial utility makes $TAP one of the most attractive altcoins to buy before 2026 listings.
Why Digitap Beats Other Banking Protocols
Digitap has begun to separate itself from other banking-focused presales because its core framework removes most of the friction that normally slows user adoption. The platform’s zero-KYC onboarding is the biggest differentiator, allowing global users to open an account and transact within minutes.
This alone gives Digitap a broader reachable audience than conventional fintech tokens, which often require full verification before offering even basic functionality. By keeping onboarding simple, Digitap avoids the usual drop-off point where users abandon the process due to strict or lengthy compliance steps.
Digitap’s light-touch regulatory model also gives it far more operational flexibility. Instead of behaving like a traditional bank or money service provider, the system routes payments through a hybrid structure that remains compliant without forcing users into deep identification. This makes everyday transfers smoother and reduces the barriers that restrict most competitors.
The combination of zero-KYC entry, global accessibility, and fast account activation gives Digitap a structural advantage. Other banking protocols may offer similar features on paper, but few can deliver them at scale without regulatory friction or heavy verification. For users who want practical banking tools without the typical bottlenecks, Digitap becomes the clear standout.
Why The $TAP Crypto Presale Has Captured Attention
$TAP has attained serious attention as the best crypto to buy. If it sees increased adoption, it could even mirror the returns of early fintech projects like XRP, BNB, or XLM. A 100x would put it above $3.0, and this is a conservative estimate, should it become a global financial standard.
The crypto presale is regarded by many as the best altcoin to buy in the fintech arena for many reasons. It offers a comprehensive suite of services for 360-degree finance. Users can download the app today to deposit, withdraw, pay, transfer, and save, with Visa compatibility and zero entry barriers.
The bottom line is that investors are placing capital in a working banking protocol, not a speculative promise. That’s a massive differentiator between competitors in the same space.