Utility tokens are all the rage in the crypto world right now. With institutional interest waning and liquidity across markets low, investors are shifting to tokens with consistent revenue streams and high-potential target markets.
What many are considering the best altcoin to buy in January is Digitap ($TAP). Digitap aims to disrupt the global remittance market, valued at over $900 billion, and capture a share of it. Some investors believe Digitap’s price will skyrocket even if it captures only a small portion of this enormous market.
Digitap is a banking app that aims to seamlessly merge the legacy and trust of fiat with the technology of crypto. Its multi-rail architecture can process payments in both crypto and fiat simultaneously, enabling instant conversions at the time of transaction.
Crypto banking is not a new idea. In fact, most exchanges offer rudimentary banking features. However, most crypto banks tend to focus almost exclusively on crypto. With the crypto ecosystem still in its initial growth phase, this puts their customers at a disadvantage relative to their fiat counterparts.
Digitap does not suffer from this issue. With Digitap, users have access to both an offshore fiat account (that earns interest on holdings) and a multi-chain wallet. It is completely up to the user whether they want to hold fiat currency or coins. Digitap supports over 100 tokens and over 30 fiat currencies.
Digitap also offers a Visa card. This card can be used at over 150 million retailers worldwide. Users can choose to pay with crypto and fiat. In crypto, coins are converted to fiat at current market rates. Users can look at the conversion rate at the time of payment and accept or decline the transaction.
Digitap’s focus on unifying crypto and fiat means that it offers potentially unparalleled utility to crypto holders. This is why the coin has been labelled as one of the top cryptos to buy for 2026.
Unifying cash and crypto places Digitap in a unique position. As the world’s first truly borderless banking solution, many investors believe that its app is perfectly designed to target the Remittance industry. Even if Digitap only captures a portion of the $900 billion market, investors might see a massive price bump.
Currently, over 1.4 billion people lack access to banking services. Most of this base currently relies on alternative means to send cross-border payments. Digitap’s solution is to simply download an app, which could allow it to capture a significant portion of this customer base.
Lastly, Digitap offers unparalleled privacy to its users. There is a tiered KYC system that allows every user to choose the amount of data they share. Those looking for complete anonymity can use the no-KYC wallet plan, while those wanting high-limit offshore banking can upgrade to the feature-rich Pro plan.
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All of the aforementioned reasons have caused a huge spike in investor interest for Digitap. With speculative tokens expected to underperform in 2026, Digitap’s utility has caused some investors to label it as the best altcoin to buy in January.
A lot of investors jumped on the Digitap bandwagon during the holiday period. This caused Digitap’s presale to cross the $4 million mark after selling nearly 190 million tokens. The inflows were bolstered by the New Year promotion, which is still running. Currently, investors can claim a bonus of 9,000 $TAP if they invest a minimum of $200 in Digitap.
Investor demand has caused Digitap’s crypto presale to experience multiple price increases in recent weeks. This occurred even when the broader crypto market fell, indicating how many investors consider Digitap to be a hedge against the crypto bear market.
Early investors have already locked in returns of over 300%. Even at its current price of $0.0427, investors still have a substantial buffer against the token’s expected launch price of $0.14. This is causing many to invest in what could be the top crypto to buy in 2026 before the opportunity is gone.
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
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