The crypto payments sector is entering 2026 with a lot of momentum, as blockchain technology has proven it can offer faster and cheaper cross-border transactions.
Two crypto presale projects addressing the inefficiencies of global money transfers include Digitap ($TAP) and Remittix (RTX).
While both projects offer investors exposure to the crypto payments industry, Digitap ranks as the better altcoin to buy. Remittix positions itself as a crypto-to-fiat network for global money transfers but falls short of offering a complete suite of banking services.
Essentially, Digitap enables users to send money from anywhere to anyone. Digitap then takes it a step further by providing both the sender and recipient with additional products and services, including a Visa card that lets the recipient spend their money easily.
Source: Digitap
How Digitap’s Omni-Bank App Outgrows Simple Payment Tools
Digitap markets itself as the world’s first “omni-bank,” available on iOS and Android devices and via a web browser. The project aims to provide a suite of products and services that let users manage both fiat and crypto in one unified platform.
Key features include moving funds globally without relying on traditional banks. Digitap’s multi-rail routing AI engine can select the fastest and cheapest way to move money. Options include both blockchain networks and legacy rails like SWIFT or ACH. This could result in a transfer completed in seconds at a cost of less than 1%.
Other standout products include multiple offshore foreign-exchange bank accounts, high-yield savings options, and a crypto wallet supporting more than 100 tokens. A Visa-linked debit card lets users spend both fiat and crypto anywhere Visa cards are normally accepted.
From a business perspective, Digitap’s model is sticky, as it helps users manage more of their financial life in one place. This increases repeat usage and creates multiple revenue streams beyond a single transfer.
Source: Digitap
Why Buybacks and Burns Tie $TAP Directly to Platform Growth
Digitap’s crypto presale of its native $TAP has been exceptionally strong. Despite raising funds during the peak of the crypto selloff in 2025, Digitap still managed to raise more than $4 million.
Hitting the $4 million milestone is a significant statement. It reflects strong investor demand and confidence in Digitap’s long-term vision.
The presale is structured in stages with incremental price increases. $TAP was first offered for sale at $0.0125 and has gradually increased to $0.0427. The roughly 250% paper profit rewarded early backers, but the token is set to list on public markets. The team confirmed an expected listing price of $0.14, implying the potential for additional upside.
The token is also designed for long-term appreciation. With a fixed supply of 2 billion $TAP, the platform allocates 50% of its profits toward buybacks, burns, and funding stakers. This directly aligns the platform’s long-term success with value generation for investors.
Remittix Helps With Cash-Out but Not Full Banking Needs
Remittix has emerged as another high-profile crypto presale project. The app lets users send cryptocurrency to a recipient who receives funds in their fiat bank account. The value proposition is built on simplicity, as a user connects their crypto wallet and Remittix handles the back-end swap.
This model targets a real pain point in cross-border payments. Many crypto supporters need to send money to friends or family who do not share their belief in digital assets. By bridging that gap, Remittix makes crypto useful for real-world transfers without both sides needing to be “crypto-native.”
However, Remittix’s approach is more of a single-purpose tool than a full financial ecosystem. The experience is focused on initiating a transfer and settling it into a bank account, rather than keeping users inside a broader ecosystem that offers value-added products and services.
Source: remittix.io
Digitap’s Payments Ecosystem Backs Its Role as Best Crypto To Buy
The scope of Remittix’s business is narrow and addresses a single problem within the crypto ecosystem. Rival banking apps like Digitap include Remittix’s use case as one of many features within a broader platform. Remittix acts as a bridge, but Digitap is an entire banking ecosystem that integrates both fiat and crypto.
This broader scope allows Digitap to tap multiple revenue streams from remittances, card fees, trading spreads, and more. This drives deeper user engagement, as users can manage all their financial needs in one app.
From an investor’s perspective, this distinction is critical when determining the better crypto to buy. A payment bridge is useful, but a full banking-style platform offered by a crypto presale project provides the same function alongside multiple additional revenue-generating services.
