Ethereum’s latest rejection at $3,400 says a lot about the market. This week, the Fed cut rates by another 25 basis points and confirmed plans to buy tens of billions of dollars’ worth of Treasury bills. They turned the liquidity tap back on.
That combination–lower rates and fresh balance sheet support–should have sent majors into a straight-line melt-up. Instead, ETH rejected at resistance. The message is clear: large layer-1s look tired. But there is always a bull market somewhere in crypto, and capital is quietly shifting into banking-focused projects.
Digitap ($TAP) has delivered a banking super-app, and this live, revenue-linked crypto presale offers a perfect hedge against the bear market. With upside linked to real economic activity, $TAP has quickly become a star crypto to buy now while the majors chop. Could $TAP be the leading altcoin to buy in the PayFi lane before 2026? Time for a deep dive.
What you'll learn 👉
Ethereum’s Liquidity Problem
Ethereum sits at the centre of crypto. It is the default settlement layer for most of DeFi, a core venue for stablecoin activity, and the home base for a growing number of L2 chains. On paper, it should be one of the cleanest macro trades as the Fed cuts rates and expands the balance sheet.
Yet price action is telling a different story. The rejection at $3,400 shows how crowded the trade has become. ETH is already widely held by institutions, crypto funds, and retail investors. Who is the marginal buyer? Where will extra liquidity come from to push ETH higher? Those are the questions investors are starting to ask.
Has ETH shifted from one of the best cryptos to buy now to a slow grower? The chart screams yes, and that is why even with structurally bullish news–rate cuts, ETF bid, and L2 growth–ETH can still underperform.
In a market where majors have undergone full price discovery, investors searching for altcoins to buy with higher upside are increasingly looking at the application layer. And that’s why Digitap’s crypto presale has been flying.
Defying the Bear Market: Inside Digitap’s Banking Super-App
Digitap’s native $TAP token is already up more than 170% since the presale began, and this omni-banking app is ignoring the bear market, offering the perfect hedge. Crypto’s clearest product-market fit is stablecoin payments. And the applications that make those rails usable for ordinary people are now seen as some of the best cryptos to buy now, especially in a bearish market.
This digital-first banking crypto presale is standing out because Digitap is tied to real growth. Anchored directly to remittances, cross-border payments, and day-to-day money management.
Digitap’s core idea is straightforward. Build a digital-first global money app where fiat, stablecoins, and crypto live side by side inside a single account. Already live on iOS and Android, it is designed to feel like a modern neobank rather than a crypto wallet.
Users can hold more than twenty fiat currencies and over one hundred crypto assets across multiple chains inside a single dashboard. The app lets users see spending history, balances, and transfers in a clean, mobile-first interface. Underneath, a multi-rail engine routes value across both blockchains and legacy payment networks, including SWIFT, SEPA, ACH, and Faster Payments.
Digitap’s multi-rail systems mean it can deliver cross-border payments in minutes for less than 1% in fees, massively beating the legacy remittance average of days-long settlements and 6%+ in fees. Digitap also offers a non-KYC virtual card and a pro tier with fully verified offshore banking for those who want physical cards and higher limits.
The app exists today, and that sets this crypto presale apart from its competitors, explaining how it has already managed to raise over $2.3 million while the market tanks.
Digitap’s 12 Days of Christmas Begins
Digitap has opened its holiday sale with new rewards and discounts every 12 hours. From the 13th of December until Christmas Eve, there will be two offers unlocking every day. During the event, investors can access free Premium and Pro account upgrades, boosted $TAP allocations, and festive staking and cashback boosts that tilt the risk–reward even further in favour of committed holders.
Ethereum vs. Digitap: Which is the Best Crypto to Buy Now?
ETH and $TAP are at different points in their growth cycle. Ethereum already has deep liquidity, is the base of DeFi, and the existing institutional adoption ensures its survival. But when it comes to upside potential, especially in a bear market, $TAP looks like the better crypto to buy now.
Digitap is much earlier in its adoption curve, and its banking super-app should benefit from the rise of stablecoins and growth in remote work regardless of market conditions. Another reason this crypto presale offers a perfect bear market hedge is its deflationary token design.
The supply is hard-capped at 2 billion tokens with no inflation. Digitap will allocate 50% of profits to permanently burn tokens and reward stakers. Users can own the platform they transact on, and earn while they sleep, thanks to these staking rewards currently paying out 124% APR.
The current price of $0.0361 will increase to $0.0371 within 24 hours, representing nearly 4X upside to the confirmed listing price of $0.14. It is no surprise that the market is already treating $TAP as one of the most interesting altcoins to buy for 2026.
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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