Santa Rally in Play? Bitcoin Holds $87,000 While Digitap ($TAP) Banking Yield Leads Best Crypto Presale 2026

Liquidity expectations have started shifting, and institutions are once again buying BTC aggressively. Are markets about to see one more push higher before year-end?While many traders believe this is a classic bear market rally, the important thing to note is that overperformance is centred on Bitcoin.

Investors have obviously gotten more selective with what they hold, and this is the type of market where utility-led projects start to dominate. Digitap ($TAP) is a prime example and has already become a leading altcoin to buy in the banking narrative. While majors chop, this banking-focused crypto presale has continued to raise and onboard new users.

Payments do not stop with downturns, and with more than $2.7 million raised, a live omni-bank app, and a value-capture token design, Digitap looks like one of the most interesting cryptos to buy now for 2026 and beyond.

Bitcoin Holds $87,000: Santa Rally or Just a Pause in the Downtrend?

Bitcoin reaching near the $90,000 level is psychologically important. If it flips this level, more traders will go risk-on and will continue paying attention. Since the 10th of October, markets have been much more volatile, and although BTC is displaying strength in the short-term,, more experienced traders remain cautious.

Bitcoin is up 1.83% in the last week. Price source: Brave New Coin BTC market data

The central problem is that bear market rallies feel convincing right up until they fail. Bounces can look strong for 48 hours, and then retrace in a single session. With ongoing macro uncertainty, despite a brief burst of life from BTC, this is not the environment that rewards pure speculation. Analysts note that Bitcoin’s current behavior reflects broader caution across digital asset markets, where institutional adoption provides underlying stability but has yet to spark a decisive rally.

The assets that survive will be the ones with read demand supporting them. And this is why BTC remains one of the best cryptos to buy now because of the institutional bid currently supporting it. Bitcoin can absolutely rally from here, although the tension between muted on-chain activity and ongoing spot ETF demand has defined recent market structure. While institutional participation continues to provide a degree of downside cushioning, it has not been sufficient to offset weak retail engagement or generate sustained upside momentum. As a result, short-term bullish signals remain scarce, and price continues to drift rather than trend.

But the leading problem is that BTC is already priced high, widely owned, and most of the upside has been captured. Still, with crypto and stablecoin adoption at all-time highs, the banking and payments lane has never looked better.

Digitap’s Omni-Bank: Utility-First

The Digitap crypto presale looks like the 2015 neobank wave. Revolut proved that better UX could bring users into a mobile-first banking world. Digitap is taking that playbook and upgrading the rails underneath it.Stablecoins are crypto’s best product. They are a tool. They win because they make money move faster, cheaper, and more globally. And as stablecoin usage grows, the best businesses are not necessarily the ones issuing the stablecoin. They are the ones building the front-end that makes it usable for normal people.

That is the core Digitap bet: stablecoins and banking rails, wrapped in a familiar, neobank-style experience, with a token that lets holders own the upside. The global money app is available for download today, and users can hold fiat, stablecoins, and crypto together on a single interface. Everything inside one app, with a Visa card attached, so all forms of money can be spent in the real economy.

This design and utility are why Digitap is seen as a safe harbour in a weak market. It is built around daily use, repeat flows, and a category that expands even when traders de-risk. And that’s why $TAP ranks as a leading crypto to buy now, payments is the fastest growing lane.

The $TAP Flywheel: Banking Yield, Buybacks, and a Shrinking Supply

Most crypto presales die because they rely on social momentum and hype. Digitap is built differently because it ties the token to the business. The value-capture model is what makes $TAP feel more like fintech ownership than a typical altcoin. 50% of platform profits fund buybacks and staking rewards, and this creates structural demand even in a bear market when demand is weak.

This value-capture design means token holders share in the platform’s success, which is why it ranks as one of the best altcoins to buy heading into 2026. Users generate activity. Activity supports revenue. And revenue supports buy pressure and holder rewards. The Digitap Christmas Sale is also ongoing, with 2 offers per day, each lasting 12 hours. Users taking part can win free Premium and Pro account upgrades (unlocking access to higher limits and offshore banking), boosted $TAP bonuses, and time-limited festive perks.

Is $TAP a Leading Altcoin to Buy Heading into 2026?

Even though BTC is rallying and a Santa Rally looks likely, the overall market structure remains weak. Especially among altcoins. $TAP looks different, and the current price of $0.0383, scheduled to move to $0.0399 in less than five days, looks very undervalued. The team has plans to list the token at $0.14, which – if reached – would place it at a notably higher valuation than the current presale level.

This crypto presale has not slowed down despite ongoing bearish sentiment, and investors now have a choice. Hold majors and hope for a broad market reversal, or start building exposure to early-stage utility projects that can grow regardless of sentiment. Digitap is perfectly positioned, and if 2026 is a big year for stablecoin adoption, $TAP could become one of the fastest horses.

Discover how Digitap is unifying cash and crypto by checking out their project here:

Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway

This is a sponsored article. Opinions expressed are solely those of the sponsor and readers should conduct their own due diligence before taking any action based on information presented in this article.