Ethereum (ETH) continues to trade erratically, bouncing from around $2,700 in early December to around $3,400, only to fall back to $2,900.

But now the trading action is subdued, with Ethereum flattening and stuck at $2,900 with no signs of a breakout in either direction.

Confidence in major altcoins remains low amid uncertainty, prompting capital to rotate out of major coins into defensive plays. Investors are encouraged to seek safety, utility, and yield over hype. Two crypto presale contenders have emerged, each vying for the title of the best crypto to buy ahead of the new year.

Remittix (RTX), a crypto-to-fiat payment network, is one example of a project with real utility. But Digitap ($TAP), the world’s first “omni-bank,” takes this a step further with a full and complete fiat-and-crypto fintech banking platform.

Source: Digitap

Digitap’s Live Bank Utility Supports Its Best Crypto To Buy Case

Digitap is the company behind a full-stack banking app that blends fiat and crypto in one place via a live app available on iOS and Android devices and through web browsers. Digitap supports more than 20 fiat currencies and more than 100 crypto assets, and users can send, receive, store, save, invest, swap, and spend both forms of money.

A recent partnership with Visa introduced the global card processor’s network to Digitap to power its prepaid Visa card. Users can even fund their Visa card with their crypto holdings, and the platform will swap crypto for fiat at the point of sale. This means that Digitap is a broad fintech platform that handles everything from cross-border transfers and foreign exchange to using crypto for everyday purchases.

Essentially, Digitap is much more than a basic remittance tool; it is a one-stop banking solution bridging crypto and fiat rails, including integrations with SWIFT, SEPA, and more. In a bearish market environment where crypto presales must offer more than promises, Digitap’s live product provides real utility. This makes Digitap an altcoin to buy for users seeking exposure to a token whose value is based on active users and growth potential.

Source: Digitap

How Digitap’s $TAP Presale Raised $2.5M in Bearish Markets

Digitap’s presale of its native $TAP token launched in late summer but saw its momentum pick up during the initial phase of the current bear market. The presale has raised over $2.5 million and is structured so that $TAP increases in value in stages or rounds. Once each stage is complete, the value of $TAP inches higher.

$TAP was first offered for sale at $0.0125 per token, and its value has since increased to $0.0371. Early buyers are already up about 200% on paper, providing a lifeline for many investors seeking refuge from the declining crypto market. Even a small allocation to $TAP in the early stages provided a portfolio hedge and offset losses in other holdings.

Despite early gains, $TAP still remains a discounted crypto to buy. The Digitap team recently confirmed it secured exchange listings for $TAP with an expected listing price of $0.14. Encouragingly, the token will soon be available to a broader audience and is built for scarcity and growth. The token supply is fixed at 2 billion $TAP, while 50% of all platform profits will be allocated toward buying back and burning tokens and funding stakers.

To celebrate the holiday season and offer gifts to new and existing investors, Digitap is hosting a Christmas-themed sale. Each day through January 2, daily deals will be offered via the presale widget and range from bonus $TAP purchases to platform rebates. Once a deal expires, it is gone for good.

Why Remittix Works Well but Lacks a Full Banking Toolkit

Remittix specializes in cross-border payments. Users connect a Web3 crypto wallet to send crypto to Remittix, and the platform sends the fiat equivalent to an eligible bank account. The design is built for fast, low-cost transfers with fixed rates. The project’s wallet is in beta and offers a selection of more than 40 cryptocurrencies for input.

Remittix’s use case is appealing, especially for remote workers who get paid in crypto or small business transactions. However, its scope is narrow and falls short of comparable crypto presale projects that offer a full banking suite.

This focused use case can be an advantage; it does one thing very well, but it limits its reputation as the top altcoin to buy compared to all-in-one fintech “omni-bank” platforms. In a bear market, that narrower scope matters more than it would during a bull market.

When risk appetite is lower and investors are more demanding, capital naturally finds its way toward projects that generate recurring usage across multiple everyday financial behaviors, not just one transaction type.

Source: Remittix.io

Why Ethereum Stalls around $2,800 Despite Healthy DeFi Metrics

Ethereum’s weakness at $2,830 makes it clear that even top altcoins are not immune to macro-driven selloffs and eroding risk appetite. There isn’t anything fundamentally wrong with Ethereum; its metrics are holding up just fine.

Total Value Locked in DeFi, perhaps the most important metric, stands at $68.9 billion, which is up from $64.6 billion in late November and much higher than April’s lows of around $45 billion.

Ethereum, whether justified or not, is priced based on macro sentiment and external economic indicators because of its sheer size. Ethereum ranks as the 62nd largest asset in the world, and this is a disadvantage during a bear market. A large-cap token like Ethereum requires massive inflows to move higher, but those inflows tend to dry up first when investors get defensive.

Source: DefiLlama

Why Capital Rotates From ETH to Utility Presales Like Digitap

Ethereum’s range-bound trading activity signals that the market won’t reward “good enough” fundamentals. Investors are increasingly demanding clearer catalysts, stronger value capture, and assets that can defend capital through utility and yield rather than relying on market beta.

It shouldn’t come as a surprise that capital is rotating toward altcoins to buy where adoption and token value are tied directly to everyday financial activity instead of macro shifts. Remittix and Digitap each exemplify this trend as both crypto presale projects provide real-world financial utility and not speculative gimmicks.

Digitap, however, represents a better crypto to buy as it provides the same services Remittix does, and much more. Digitap is one part money remitter, one part bank, one part payments app, and more. Its diversified utility and defensive token design make it a strong hedge for investors seeking stability in an uncertain market.