Investors are gearing up for a potential 2026 crypto bull run. Their attention is shifting toward new projects that blend real-world utility with strong growth potential.
Fast, low-cost remittance networks and merchant-focused payment platforms are already attracting heavy capital inflows in 2025.
Among these platforms, Digitap ($TAP) is already live, integrating traditional finance with cryptocurrency through a unique multi-rail architecture. By enabling instant, borderless payments across multiple fiat currencies and cryptocurrencies, Digitap could become the best crypto presale for 2026.
This article explores why these six banking tokens are on investors’ watchlists for the next bull run.
Top Banking Tokens to Watch:
- Digitap ($TAP): Omnibank bridging crypto and fiat with instant, borderless payments.
- Remittix: PayFi protocol for fast, low-cost global remittances.
- BlockchainFX: AOFA-regulated platform offering trading and tokenized real-world assets.
- SpacePay: Merchant-first crypto payments with ultra-low transaction fees.
- Onexfer: Blockchain network focused on financial inclusion and near-zero-cost transfers.
- Solaxy: On-chain DeFi protocol delivering high-yield lending and cross-chain swaps.
What you'll learn 👉
Digitap: Bridging Crypto Freedom with Traditional Finance
Digitap seamlessly unites the speed, freedom, and innovation of cryptocurrency with the reliability and reach of traditional finance. Through its three-layer protocol (on-chain settlement, off-chain clearing, and an AI-powered routing engine), Digitap enables instant and borderless payments.
Moreover, the platform supports over 20 fiat currencies and 100 cryptocurrencies. Users can spend or stake their cryptos with full transparency. $TAP stakers can earn up to 124% APR during the presale and up to 100% APR after the presale. Moreover, holders benefit from governance rights, VIP perks, and integrated payment solutions.
This unique combination of utility, security, and flexibility positions Digitap among the top crypto presales to invest in. Currently, $TAP is priced at $0.0361 in Round 2 of the presale, which is nearly 96% sold out.
Although over 138 million $TAP tokens have been sold and nearly $2.3 million raised, everyone still has the opportunity to secure tokens before the price rises to $0.0371. Some crypto enthusiasts believe that $TAP could be the best crypto to buy now in 2025.
Digitap is attracting a growing, engaged community ready to embrace the future of borderless banking. $TAP offers real utility and high growth potential through seamless fiat-to-crypto integration, scalable infrastructure, and built-in regulatory compliance. This is why it is among the promising altcoins to buy in December.
Remittix: PayFi Protocol for Instant Global Remittances
Remittix users can send any of 40+ cryptocurrencies from their wallet, and the recipient gets fiat credited directly to their bank account in over 30 countries. The non-custodial Remittix wallet is already live and CertiK-audited, with optional KYC on-ramps for larger transfers.
The team has active partnerships with local banks and payment processors. The platform is faster and up to 90% cheaper than Western Union, MoneyGram, or Ripple-powered solutions. However, Remittix is very focused on cross-border transfers and may lack other important banking features.
BlockchainFX: AOFA-Regulated Ecosystem for Crypto and Real-World Asset Investors
BlockchainFX is a fully licensed (AOFA-regulated) DeFi trading ecosystem that brings Wall Street-grade tools to retail crypto investors. The platform offers AI-powered trading bots, copy-trading from top performers, real-time on-chain and off-chain analytics, perpetual futures, and tokenized real-world assets.
Stocks, forex pairs, commodities, and ETFs are all accessible with a single $BFX collateral wallet. It’s designed for traders who demand compliance, deep liquidity, and institutional security while still earning high crypto yields. Nonetheless, BlockchainFX is exclusively a trading and investment platform with limited everyday banking utilities.
SpacePay: Merchant-First Crypto Payment Acceptance, Powered by Low Fees
SpacePay is building the “Stripe + Square” of cryptocurrency payments, providing traditional merchants with an easy-to-integrate SDK and POS plugin. As a result, merchants can accept over 325 cryptocurrencies at both physical stores and online checkouts.
Payments are automatically converted into the local fiat currency, and funds are settled to the merchant’s bank account the same day, ensuring zero exposure to crypto volatility. Retailers pay only 0.5% per transaction (far below the 2–4% credit-card fees). Since it was designed with merchants in mind, SpacePay doesn’t really offer personal finance tools.
Onexfer: Offering Ultra-Low-Cost Financial Inclusion
Onexfer is a fintech-focused blockchain network that is targeting financial inclusion. It does this through ultra-low-cost international transfers and multi-currency digital wallets, especially in emerging markets. Users enjoy near-zero-fee remittances, instant settlement, virtual IBANs, and local payment rails across different countries.
The project has already secured partnerships with licensed money-transmission companies and regional banks. Moreover, its compliance layer supports both KYC and non-KYC flows depending on jurisdiction. Onexfer is still in its early stages and is working toward having live products.
Solaxy: On-Chain DeFi Protocol for High-Yield Lending
Solaxy positions itself as a promising crypto presale offering a decentralized banking layer. The platform is built on Solana’s high-throughput blockchain and offers Aave/Compound-style pools. It delivers fast, sub-cent transactions for lending, borrowing, high-yield savings vaults, cross-chain swaps, and community-governed financial products.
The roadmap includes tokenized treasuries and RWA integration by late 2026. While the yields and speed are impressive for DeFi natives, Solaxy remains a purely on-chain protocol.
It has neither fiat on-ramps, physical or virtual debit cards, IBAN accounts, nor integration with traditional banking rails. In contrast, Digitap already has a fully functional mobile banking app today that offers real-world spending via Visa cards, offshore accounts, and multiple fiat currencies.
Digitap: Leading the Top Crypto Presales For 2026 in Utility and Growth Potential
The $TAP token could potentially stand out as the best crypto to buy now in December. This is due to Digitap’s unique position as the world’s first omnibank, bridging crypto freedom with traditional finance. Unlike other crypto presales, $TAP uses a three-layer system that includes on-chain settlement, off-chain clearing, and an AI-powered routing engine.
This results in instant, borderless payments across 20+ fiat currencies and 100+ cryptocurrencies. For those seeking exposure to emerging financial infrastructure, $TAP could be one of the best altcoins to buy today.
Why $TAP Could Be the Best Crypto to Buy Now in 2025
As 2026 approaches, these six banking tokens highlight the future of crypto-finance, but Digitap is already live. This platform offers day-to-day crypto spending via Visa cards, multi-currency support, and instant, borderless payments.
USE THE CODE “TAPPER20” FOR 20% OFF FIRST-TIME PURCHASES
Moreover, $TAP holders enjoy big rewards and participate in governance, making it one of the top altcoins to buy today.
Presale ~ Website ~ Social ~ Win $250K
DISCLAIMER: CAPTAINALTCOIN DOES NOT ENDORSE INVESTING IN ANY PROJECT MENTIONED IN SPONSORED ARTICLES. EXERCISE CAUTION AND DO THOROUGH RESEARCH BEFORE INVESTING YOUR MONEY. CaptainAltcoin takes no responsibility for its accuracy or quality. This content was not written by CaptainAltcoin’s team. We strongly advise readers to do their own thorough research before interacting with any featured companies. The information provided is not financial or legal advice. Neither CaptainAltcoin nor any third party recommends buying or selling any financial products. Investing in crypto assets is high-risk; consider the potential for loss. Any investment decisions made based on this content are at the sole risk of the readCaptainAltcoin is not liable for any damages or losses from using or relying on this content.
