The criminal investigation into Federal Reserve Chair Jerome Powell has taken global markets by storm. It has raised questions about the true independence of central banks and the future of financial sovereignty.

The U.S. dollar is facing a possible credibility crisis, and traditional risk assets are experiencing “risk premia” due to political pressure. As central bank independence is in question, investors are turning to decentralized alternatives that offer greater privacy.

While Bitcoin and privacy-preserving coins like Monero have seen spikes in value, Digitap ($TAP) has emerged as the best crypto to buy in 2026 for privacy. Its omni-bank ecosystem is perfectly positioned to provide a haven for personal financial sovereignty this year.

Digitap offers user autonomy and financial discretion during periods of institutional instability, making $TAP the best altcoin to buy.

Powell Investigation Shatters Trust in the Fed

Powell’s testimony at the Senate about the Federal Reserve building renovation seems to have opened Pandora’s Box. It pushed the Department of Justice to launch a full-blown investigation. But Powell believes this probe is politically motivated since he ignored demands to cut rates. Despite everything, the process marks an assault on the Federal Reserve’s autonomy.

In that context, investors see it as a potential meltdown in the long-existing boundaries between political power and monetary policy. Analysts insist the interference could result in “risk premia” across asset classes. If that happens, investors would demand higher returns to protect themselves against uncertainties stemming from dollar credibility and monetary policy stability.

As confidence in traditional finance fades, the appeal of decentralized projects is growing. Notably, most privacy-preserving tokens, such as Monero, have surged significantly, indicating investor demand for cryptocurrencies that prioritize data protection and user anonymity.

In the same case, Bitcoin analyst Will Clemente believes the current environment is what cryptos need to thrive. According to the analyst, cryptos should counter sovereign reserve diversification, geopolitical risks, and executive targeting of financial leaders.

Why Smart Money is Buying Utility Assets Like Digitap

Matrixport’s Greed & Fear Index highlights a basing pattern that is historically connected to Bitcoin recoveries. However, Nansen’s “smart money” indicators showed net shorts on BTC hitting $127 million, contrasting with longs on Ether and XRP.

While Bitcoin is considered a store of value, investors seem to be diversifying into utility tokens that offer a lot more than store-of-value. Digitap comes in handy in this environment because it makes crypto spendable in the real world. Hence, $TAP is a good crypto to buy this January.

In that context, the Powell fears increase the need for cryptos to withstand market corrections and make privacy an important feature in their ecosystem. This will protect users from institutional instabilities affecting the current market.

Digitap’s Privacy-First Ecosystem Defies Institutional Overreach

In the current environment of institutional interference and increased surveillance, Digitap dominates by building a privacy-by-design financial infrastructure. Traditional banks suffer from increased weaponization via political pressure. However, Digitap’s omni-bank lets users manage their whole financial flow without compromising on privacy.

This operation method empowers users to select their verification level, including a no-KYC option that bypasses invasive identity checks. Such invasive checks are used by centralized entities to monitor and limit individual spending.

Investors who want a hedge against the current political environment can invest in Digitap. This project, despite being in its crypto presale stage, offers the safety and autonomy that traditional banks cannot guarantee any longer.

Digitap’s No-KYC Card Shields Against Institutional Oversight

The most important component that Digitap’s ecosystem is offering during the current global market uncertainty is its no-KYC virtual Visa card. The investigation into Powell’s remarks has intensified fears of future government interference and unwarranted oversight into private financial activity.

Nevertheless, Digitap’s omni-bank ecosystem lets users spend digital assets everywhere Visa is accepted. They do not need to engage in tedious paperwork or wait for approvals. This capability has bridged the gap between digital “non-sovereign” wealth and real-world spending power.

Hence, it enables users to maintain their normal lifestyle while keeping their banking activity private and secure from institutional overreach. The increased privacy level makes $TAP a good crypto to buy for the long term.

Digitap: The Deflationary Haven Offering a Stable 124% APY

While the global markets struggle with volatility, Digitap offers a stable investment option for retail investors. $TAP is built on a hyper-deflationary infrastructure model where 50% of all profits from its banking services are used for token buybacks and burns. This strategy merges the asset’s value with the platform’s utility.

Additionally, stakers are served with an impressive 124% APY, a lucrative incentive for long-term holding as the 2026 bull market starts. The huge yield is supported by real revenue from Digitap’s omni-bank activity, making it a highly resilient haven.

$4M Presale Milestone: $TAP is a Top Privacy-First Crypto to Buy

Investor sentiment is starting to show signs of a “local bottom” after the Powell news. On that note, capital is quickly flowing into early-stage utility projects. Currently in Round 3, Digitap’s crypto presale is available at $0.0427, a 69.5% discount compared to its listing price of $0.14.

With more than $4 million raised and at least 120,000 wallets already connected, the project is enjoying intense buying. Investors are prioritizing product delivery over hype, empty promises, and speculation. This explains why over 188 $TAP tokens have been purchased.

In a global economy where central bank independence seems no longer a guarantee, the shift toward a functional, privacy-focused omni-bank seems logical. These privacy components and features make $TAP the best crypto to buy this January.