ETH trading above $3,100 is the clearest sign yet that traders are feeling optimistic heading into 2026. FOMO is starting to ratchet up, and the tone has shifted from survival to positioning. Small caps look great here with majors starting to wake up.
Most attractive are crypto presales, which could go on a monster rally as confidence returns. Most of the most interesting altcoins to buy in 2026 are utility-driven, as the era of blind speculation comes to a close. As utility takes the driver’s seat, projects like Digitap ($TAP) are fast emerging as the best cryptos to buy now.
Built around banking and aiming to unlock a new digital-first era in finance, here is what investors need to know.
ETH Passes $3,100: A Spark for Altcoin Season?
ETH crossing $3,100 matters for one simple reason. It means the market is willing to take risk. A major reclaiming a clean psychological level means that investors and traders are buying into strength instead of selling it. And with the RSI looking bottomed, ETH could kick off an expansioary leg here.
This is the foundation for an altcoin season. The bigger question is whether ETH can print a new all-time high in the first half of 2026. If it does, it becomes the cleanest possible catalyst for a broad risk-on phase, and smaller alts like $TAP could print multiples in this window.
ETH grinding higher is good for the entire market, and the scramble is on to find the best altcoins to buy before altseason begins. In 2026, the most obvious category is banking.
Altcoins to Buy: Why Banking Looks Primed to Rip this Year
Markets are rewarding utility. Crypto has spent years building infrastructure. In 2026, the winners will be the applications that turn that infrastructure into something people actually want to use. Banking and payments fit that requirement perfectly.
The banking trade also fits well with the direction of regulation. As regulation improves, the space for consumer-grade financial apps is expanding rapidly. And the stablecoin tailwind is the other part of the story.
Stablecoins are the best product crypto has ever created, solving the problem of moving money fast without friction. This year is about who captures the user interface layer where stablecoins become everyday money. And Digitap is trying to be that layer.
Digitap’s Omni-Banking Goes Live: Tools for Both Sides of the Market
Digitap’s product pitch is simple and aligns with where the market is heading. It is an omni-banking platform designed to blend fiat, crypto, and stablecoins into one unified experience. The key is the architecture underneath.
Multi-rail settlement means value can route across the best available path, whether that is legacy banking rails or a blockchain, without forcing the user to understand how any of it works. Complexity is the biggest barrier to adoption in crypto. Most users do not want to learn about wallets, gas, bridges, or chains. They want money to move quickly, cheaply, and reliably, in an interface that feels familiar.
Digitap is delivering the best of both worlds with a user-friendly neobank-style UX. It gives non-crypto users crypto settlement speed without the crypto learning curve. That is why it ranks as a leading altcoin to buy: its potential adoption curve is enormous.
At the same time, it gives crypto natives a banking toolset that makes on-chain balances more useful in daily life. The Visa card program unlocks real-world spending with on-chain balances, and this last mile has been the missing piece for true stablecoin adoption.
If the market is right about a stablecoin-driven decade, then the apps that make stablecoins spendable at scale are the most likely to grow this year. Digitap’s instant crypto-to-fiat conversions are another utility feature, and this digital-first approach to finance could be one of the biggest breakthroughs of the year.
Ethereum vs. Digitap: Which is the Best Crypto to Buy Now?
ETH will always be a leading crypto to buy now as a quality major. It continues to ship upgrades such as Fusaka and will always perform well in a risk-on environment. But with its enormous market cap upside, it capped. Digitap, on the other hand, is a bet on the crypto as money thesis coming true.
It has already delivered a global money app that anyone can download today. The presale has crossed $3.5 million in record time, and with 50% of platform profits used to fund staking rewards and burn $TAP tokens, it has one of the strongest tokenomics designs on the market.
This crypto presale is already standing out and could easily become the fastest horse in the banking race. Available for just $0.0411 today, with a confirmed listing price of $0.14 and a New Year’s sale still ongoing, there might never be a better time to become an early $TAP adopter.
