If 2026 is the year retail comes back, the best trade of the year will be owning the applications that onboard new retail investors. Solana is where crypto culture lives and where bullish momentum shows up first. But Solana is no longer a hidden crypto gem. It has a roughly $80B market cap, and is an altcoin heavyweight with a well-discovered price.
Digitap ($TAP) is the opposite. It has built the world’s first omni-bank that blurs the line between fiat and crypto. Built to make stablecoin rails feel like normal money for regular people. This approach to abstract away complexity and provide a better product is why the Digitap crypto presale could be the best play for retail adoption this year.
Banking tokens are among the most interesting altcoins to buy as crypto matures. And with a booming stablecoin supply, the consuming banking layer should produce all the fastest-growing success stories in 2026.
What you'll learn 👉
Why Retail Should Return in 2026
Retail arrives because financial conditions loosen. Markets are already pricing that possibility. Rate-cut expectations for 2026 are growing with Jerome Powell’s term ending this year. Small-cap stocks are pricing looser financial conditions, with the Russell currently outperforming the Nasdaq.
These are the first signs, and favorable crypto regulation would be another massive tailwind with the CLARITY Act introduced to the Senate this week. This combination of growing liquidity expectations, a returning risk appetite, and a clearer playbook for altcoins creates a perfect environment for retail to return. But what are the best altcoins to buy to capture this trade?
$140 Solana: Can SOL Hit $250 Next?
Solana peaked in January last year but is showing signs of life for the first time this year. SOL remains the default retail chain. It’s fast, cheap, and it’s where all activity happens. When traders flip bullish, SOL is the first to react.
But investors need to consider the potential upside. Solana’s starting point is an $80 billion market cap, and it is a very different asset at these levels compared to when SOL traded below $20. Increasingly, investors are asking about Solana’s inflation rate, with SOL token holders who don’t stake being aggressively diluted.
Ideally, bulls want to continue momentum here, and a clean reclaim of the 50-week moving average ($160) would indicate clear skies until $200. If the market rips, SOL will perform well as one of the cleanest and most liquid vehicles in crypto. But when it comes to the retail adoption trade, everything exciting is happening on the application layer.
Why Digitap Could be the Best Retail Adoption Trade this Year
Digitap is trying to become the new global financial super app. The next phase of crypto adoption will be driven by better financial products that hide crypto in the background. Digitap is the world’s first omni-bank where all types of money, crypto, and fiat, live together in one place and move in real time across borders.
While Solana can onboard traders. Digitap can onboard retail users, and users are the bigger market. One of Digitap’s standout features is the Visa card, which means all on-chain assets can be spent anywhere in the real world. This solves the last-mile problem between crypto and spending.
The other core feature is its multi-rail settlement engine. Digitap can execute transactions on legacy banking rails and blockchains. Digitap’s approach makes the rails invisible, giving the end user a familiar experience while moving their money much faster and at much lower cost.
And this is what makes the Digitap crypto presale so interesting. It delivers familiar tools but with better plumbing—likely the fastest path to onboarding new retail users. That’s why its growth could outperform all expectations this year.
SOL vs. $TAP Tokenomics: Which is the Better Altcoin to Buy for Retail Adoption?
The market is sick of governance tokens and is losing its appetite for highly inflationary tokens. Token holders want value capture, and $TAP’s token design is built exactly on this premise. 50% of platform profits go to staking rewards and token burns. Meaning that token holders win as the platform scales.
This design is why the Digitap crypto presale is being treated as a next-gen banking token and explains its early presale success, raising more than $4 million. The current price of $TAP, $0.0427, looks heavily undervalued, but investors who want to lock in today’s price will have to move fast because $TAP will jump to $0.0439 in less than a week.
As stablecoin supply booms and retail gets ready to return, the race is on to find the best altcoins to buy. SOL is an excellent product, but $TAP ranks as a better crypto to buy now because it is at the start of its adoption journey. Better financial products will define 2026, and Digitap is a clear first mover.
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
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
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