Payment-focused cryptocurrencies are tokens designed to move money quickly, efficiently, and cheaply. They have become one of the most exciting segments for crypto investors as investors seek top altcoins to buy amid general market weakness. These payment tokens could revolutionize the way value is transferred, whether it is for remittances across borders, everyday purchases, or settlements between banks.
Investing in this sector gives exposure to a massive market, as global payment flows are measured in the hundreds of trillions of dollars. Even a small market share can translate to huge usage for a network and tremendous value for investors.
One of the crypto presale projects in the payments space attracting a lot of attention as one of the best crypto to buy now is Digitap ($TAP). Digitap is the creator of the world’s first “omni-bank” that blends traditional fiat services with the speed and power of digital currencies.
Below is a list of three of the top crypto to buy now that have exposure to the payments space:
Digitap is positioned at the forefront of payment tokens by providing something most crypto projects fail to achieve: immediate and real-world usability. Digitap is the company behind the world’s first “omni-bank,” a marketing term that describes how users can hold and spend both fiat and crypto in one unified app.
Through the Digitap banking app, a user can send money to friends and family, both at home and abroad. Digitap uses a multi-rail payment architecture that automatically chooses between blockchain networks and traditional banking networks for each transaction to prioritize speed, cost, and reliability.
Remittance payments from migrant workers to friends and family in their native country are an approximately $850 billion industry, making Digitap one of the top altcoins to buy as it looks to make gains in this market ripe for disruption.
Unfortunately, legacy money remitters operate with minimal competition, meaning they can get away with charging an industry-average 6.2% fee on all transfers. But Digitap’s entrance to the market poses a challenge, as peer-to-peer transfers can be sent for a cost of less than 1%.
The receiver can even choose to have their money preloaded onto a Visa-branded Digitap spend card. This means the recipient can accept crypto and then spend it anywhere Visa cards are normally accepted.
Digitap’s ongoing crypto presale of its native $TAP token is attracting a lot of attention from investors after it raised more than $1.7 million in a bearish market environment. This momentum suggests that both retail investors and “smart money” see Digitap as one of the top cryptos to buy now. Essentially, Digitap is a high-conviction play in the payments niche.
One big draw of Digitap’s presale event is the structured pricing formula. The price of $TAP increases by around 10% after each stage. Round-one investors who bought the token at $0.0125 are now sitting on a paper profit of more than 100%, with the token trading at $0.0297. The next price increase to $0.0313 is scheduled for Thursday.
The $TAP token is used to power transactions on the network, but it is more than just a transactional token. $TAP is designed with deflationary and income-generating features that reward holders. For example, 50% of the platform’s profits are used to buy back and burn $TAP and to reward stakers.
Digitap’s tokenomics align user-base growth and rising transaction volumes with $TAP’s value. Coupled with an already live product that minimizes investor risk, Digitap has proven its presale isn’t just about hype. Rather, it’s backed by robust metrics and token economics that make $TAP a highly attractive investment opportunity.
COTI’s vision is to enable fast transactions and empower organizations to create their own payment solutions. For instance, COTI provides an out-of-the-box payments application called COTI Pay. This allows businesses to integrate it into their processes and accept cryptocurrency for their goods and services.
COTI also allows any enterprise to roll out its own digital payment system, which is revolutionary for merchants who want more control and lower fees compared to traditional processors.
It essentially targets a huge gap in the merchant payments market by providing tools for e-commerce, point-of-sale, and even buyer-seller protection insurance. In addition, COTI’s belief that stablecoins represent the key to mainstream crypto payments is evident in its own network, which is optimized for stablecoin use.
COTI even allows governments, fintechs, and even communities to issue their own stablecoins on COTI. This alone can challenge a legacy payment token like XRP, as recent trends make it clear that stablecoins are dominating cross-border remittance flows.
XDC Network is often dubbed the “enterprise-grade” blockchain for finance due to its hybrid infrastructure that connects traditional banking systems with blockchain’s benefits. XDC’s biggest advantage is its performance, as it can handle around 2,000 transactions per second, which is around 500 transactions more than XRP.
As a result, XDC has seen success in the world of tokenized real-world assets and trade finance instruments. It can be used to tokenize invoices, letters of credit, and even parts of bonds, turning slow paper-based processes into instant digital transactions.
XDC’s network is also ISO 20022-compliant, meaning it can interact with the same language that banking systems will fully adopt in the coming weeks. This could position XDC to serve as ISO-native rails to fill the gap if some banks aren’t ready.
As the payments race intensifies, a new generation of crypto presale projects is stepping up to deliver faster, cheaper, and smarter ways to move money. COTI and XDC Network deserve a lot of credit for bringing innovative solutions to the table, but Digitap stands out as one of the best altcoins to buy in the payment space.
Digitap is delivering results today, and the company is only getting started. Its ongoing presale offers investors ground-floor opportunity for a payment-focused altcoin that blends real-world adoption, strong tokenomics, and early-stage upside.
Digitap is Live NOW. Learn more about their project here:
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