As Bitcoin falls below $90,000, market sentiment has hit extreme fear. Notably, markets have displayed fear on the Crypto Fear and Greed Index for 30% of 2025. Instead of chasing declining large-cap tokens, investors are reassessing where value lies amid a devastating bear market.
This shift is directing attention to utility-driven projects, especially those linked to banking and payments. And Digitap ($TAP) has resurfaced more frequently in that search, making it the best crypto to buy heading into 2026.
It introduces a live omnibank app at an early stage, providing everyday functionality and downside protection. Let’s explore the current market sentiment and why retail investors are flocking to the Digitap presale.
Market Sentiment In Fear as Momentum Fades
Over the past year, fear or extreme fear has made up 30% of all readings on the Crypto Fear and Greed Index. At the moment, the index is at 22, indicating the market remains in extreme fear. This fear has dominated sentiment since October’s big crash, when BTC price fell 36% from its all-time high.
Notably, the crypto market has yet to recover. Bitcoin is still trading about 30% below its all-time high, which has made investors cautious. Most altcoins are also trading sideways as liquidity thins.
For retail investors seeking the best crypto to buy now, the widespread downtrends feel uninspiring. When large-cap altcoins consolidate, it often indicates investor indecision rather than strength. Many altcoins are increasingly becoming defensive allocations rather than growth engines.
It has made traders step back and question how to spot the best upside opportunities during bearish market waves.
Capital Rotation In The Current Bear Market
The bear market often triggers capital rotation. Typically, retail investors explore the best cryptocurrencies to buy based on adoption curves rather than macro headlines. Specific projects are poised for explosive breakouts when the market turns.
However, Bitcoin’s maturity positions it as a holding asset. The latest BTC price analysis indicates its four-year cycles have been replaced. This means that Bitcoin could stage a rebound toward $140,000 at some point in the next 180 days.
Remarkably, the launch of spot ETFs changed the behavior of digital assets and paved the way to a cost-basis return cycle. Many analysts believe BTC hodlers who purchased via ETFs have a $84,000 cost basis.
If their cost basis increases to 10%-15%, as in previous cycles, BTC could peak at $138,000 to $148,000. However, BTC has not made any decisive jumps and continues to pare off its gains. These dynamics are making Digitap’s steady presale momentum a leading contender for 2026.
It has become a strong answer to the ongoing question many investors ask: What’s the best crypto to buy as the market prepares for its next bull market?
Digitap Offers Banking-Backed Money App with Real Global Infrastructure
Digitap’s momentum comes from a powerful combination of banking-grade infrastructure, live working product utility, and growing demand for crypto spending tools. It separates itself from other crypto presales by operating a real banking infrastructure rather than relying on future promises.
At its core, Digitap works through regulated banking partners, allowing users to store, spend, and move fiat and crypto seamlessly. Rather than listing various settlement rails, it describes its platform as a multi-rail environment that allows global transfers through trusted, compliant financial institutions.
This foundation makes $TAP feel like a modern neobank instead of a speculative crypto. Users will:
- Convert cryptocurrency to fiat.
- View balances.
- Spend stablecoin or crypto through Visa rails instantly.
- Access multi-currency tools all in one app.
Meanwhile, users can choose from tiered KYC options, selecting which information they are comfortable sharing. In a nutshell, Digitap enables freelancers to receive USDT for their work, hold the funds inside the app, and spend them immediately on groceries or rent without needing an exchange.
This level of convenience is why many investors view Digitap as the best utility-focused crypto presale heading into 2026.
Digitap Achieves Strong Momentum In a Weak Market
The project has raised over $2.5 million, a massive milestone at a time when capital deployment and venture activity have decreased. Interestingly, Digitap has achieved this milestone without relying on bull market enthusiasm.
This reflects genuine user demand and investor confidence in a project that is grounded in functionality rather than speculation. Its festive countdown has also kept the momentum alive. Every 12 hours, a reward is unlocked, with various bonuses and time-limited perks.
Most rewards are time-sensitive; therefore, participants need to act quickly. Notably, the campaign comes at a time when the broader market is trading sideways, which gives the project a narrative that it’s driven by community rather than speculation.
It has increased the appeal of the crypto presale by merging celebration with tangible incentives.
Why Retail Investors View $TAP as The Best Altcoin To Buy
Retail investors are increasingly shifting towards assets that offer tools they can actually use. Banking-focused platforms align with this mindset, especially during a time when living costs are high worldwide. Digitap ICO offers predictable token mechanics, usability, and accessibility. This combination is making retail investors view $TAP as the best altcoin to buy in December.
Notably, it’s priced at $0.0371 and is 55% through its third round. The window to enter at $0.0371 is closing not just by time, but also by volume, as smart money continues to accumulate nearly 150 million tokens.
OVER $300K IN BONUSES, PRIZES, GIVEAWAYS. DIGITAP CHRISTMAS SALE IS LIVE
The price is set to rise to $0.0383 in 72 hours mathematically. Buying now locks in instant paper profit. For retail investors seeking the best altcoin to buy now, a structured presale pricing structure offers a predictable entry point compared to the volatility of open markets.
Discover how Digitap is unifying cash and crypto by checking out their project here:
