Markets are moving lower with alarming speed, and Bitcoin slid below $100,000 briefly. Most retail traders and investors are going risk-off, and the Fear and Greed Index shows 21 (extreme fear).

But capital is always looking for opportunity, and that’s why attention keeps shifting toward crypto presales with fixed pricing. As investors get more selective when choosing altcoins to buy with near-term catalysts, Digitap ($TAP) continues to get mentioned.

This omni-bank play repeatedly shows up on lists of the best cryptos to buy now, and while retail investors are panicking. Whales are busy accumulating $TAP with the presale flying past $1.4 million raised. 

BTC’s underperformance versus equities has been notable recently, and unfortunately for BTC bulls, it has been performing even worse on down days. As equities shake, BTC seems to nosedive. Bitcoin is currently trading at levels not seen since June amid macro uncertainty, including a grinding U.S. government shutdown and a strengthening dollar.

Investors seeking altcoins to buy amid the fear are adjusting their strategy. Memecoins are no longer cool, and these investors are focusing on projects addressing real-world issues—that’s why Digitap has been flying. 

While BTC believers work hard to defend the 50-week moving average, investors must decide whether now is the perfect time to exit the market or if this is a perfect opportunity to start accumulating low-cap gems. 

Digitap positions itself as the world’s first omni-bank. A single account that treats fiat, stablecoins, and crypto as the same working capital, and lets users send money in real-time anywhere they want, thanks to the multi-rail architecture.

The front end looks and feels like a neobank, and under the hood, it integrates ACH, SEPA, Faster Payments, SWIFT, and public networks. The AI router decides how to execute transactions based on cost, latency, and FX at that moment, and that’s why Digitap is an omni-bank. It brings the two worlds together.

This is not like XRP, a single-rail payment provider; it is a full money surface covering deposits, conversions, cross-border sends, and card spend tied together. The mobile-first approach is a hit with Gen Z, and the Visa card rollout has been huge for distribution. Anyone can sign up for a card today and can start spending on-chain balances with millions of merchants worldwide.

The presale crossing $1.4 million reflects the market rewarding already live products with clear routes to scale rather than headlines alone.

Omni-banking at a global scale is hard, but Digitap seems to have cracked it, explaining why whales are apeing this presale aggressively. The mobile-first means the 1.4 billion underbanked people will be the first adoption vector, the Visa card puts crypto in people’s hands on day one, and the fact that the team went product-first and released the app, available on iOS and Android today, speaks volumes.

On top of this, the crypto presale’s fixed pricing means no risk of liquidation or downside, and each price features a price step up. The current price of $TAP, $0.0268, looks undervalued and is set to jump by more than 10% to $0.0297 in the next round, giving early adopters a clear advantage. 

Investors need to watch what BTC does from here. A quick recovery would ignite animal spirits and cause lots of the investors who sold today to buy back at higher prices. The range lows have been dress tested, and the best thing for investors to do is find projects providing genuine value.

Digitap has the potential to disrupt multiple-trillion-dollar markets and allocates 50% of platform profits to supporting the token via burns and staking rewards. It will list at $0.14, meaning a large runway for buyers today, and when compared against other altcoins for its adoption strategy, it shines as one of the best cryptos to buy now.

Fear does not last forever, and BTC should recover. However, disrupting the payments industry is market-agnostic, and the $TAP crypto presale can succeed in any market condition. It is no surprise whales are rushing to buy Digitap at these levels. 

Discover how Digitap is unifying cash and crypto by checking out their project here:

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