BNB bulls are fighting for their lives below $1,100 while early Digitap ($TAP) buyers are already up more than 114%. This presale has just concluded yet another stage, and the price of the native token $TAP has climbed from $0.0125 all the way to $0.0268.

The rollout of Visa cards with Apple Pay and Google Pay support has been driving this new PayFi player higher and higher. While majors chop and potentially enter bearish trends, Digitap is focused on real distribution, and its fixed pricing throughout the presale is attracting investors who want early-stage upside and a hedge against volatility.

Anyone looking for the top altcoin to buy today should be paying attention to $TAP—here’s what investors need to know.

BNB Loses Early October Momentum

In early October, BNB was one of the best coins to own and the fastest horse among majors. But after the flash crash, the BNB narrative has shifted. Binance played a large role in a lot of bad ADL liquidations, and traders were not happy.

Naturally positive sentiment surrounding BNB reversed, and on top of that, BNB had already been running hot to the upside. A pullback was natural, but the question is how deep it goes. Currently, BNB is holding the 50-day moving average, and bulls will have to fight to protect this level. But if they lose this level, the next support for BNB is below $1,000, and compounding the issue is that there is still a lot of unrealized profit among traders.

Until Binance cleans away the stain left by the liquidation event and momentum returns, the risk-return profile of buying BNB here is not great. Especially when presales like Digitap are showing accelerating momentum, while BNB remains a solid altcoin, for investors focused on ROI, there are much better plays in the market.

Why Structured Presales Start to Win in Choppy Conditions

Presales get much more attractive to investors during choppy conditions, and Digitap is a prime example. The presale uses fixed prices that step up on a schedule, creating clean entry windows and sidestepping volatility.

$TAP is currently $0.0268 and is programmed to move to $0.0297 next—approximately a 10.82% increase. Investors who buy today get to lock in this gain, and all the other gains until listing at $0.14. This cadence is why structured presales work even while majors retrace.

What is Digitap Building?

Digitap is the world’s first omni-bank. The best way to describe it is as a universal money workspace. Crypto and fiat balances live side by side, and the siloes between the two systems cease to exist. Users can pay invoices, pay salaries, send cross-border payments, exchange crypto to fiat, and many other things from a single dashboard.

The user sees balances and a clean app, but underneath, Digitap runs on legacy rails and blockchains, with its AI routing engine selecting the cheapest and fastest corridor—bank rail or blockchain—for each transaction, and optimizing swaps whenever a user pays with an on-chain balance using their Visa card.

Adoption is always won via distribution, and the recent Visa partnership and rollout of the non-KYC card has been a winner. Digitap has unlocked crypto spending on Visa rails, and its mobile-first approach aligns perfectly with Gen Z’s behavior.

How Digitap Solves Cross-Border Payments

Digitap is not betting on a single chain like other solutions, such as Ripple. It is a router. If traditional rails like SEPA are cheaper, Digitap uses SEPA. But if a USDC lane is faster, it goes on-chain. This is how ordinary people start using stablecoins—without even knowing they are using crypto.

Additionally, as new stablecoin networks launch, Digitap can integrate them and benefit from throughput improvements such as those being delivered by Plasma, and such as those that will be delivered by Tempo—Stripe’s new payment-focused chain.

Legacy corridors still eat up fees (6.4% is the average) and take days to settle. Digitap drops fees to sub 1% and has transactions landing in minutes. And most crypto investors don’t understand the scale of these markets. Cross-border payments are expected to reach $290 trillion by 2030, and if Digitap can gain even a small market share, it would quickly go from presale gem to blue-chip.

Anyone who has ever paid an international invoice or sent money home understands the appeal—same method, fewer fees, and no waiting. This type of concrete problem-solving is what makes $TAP the top altcoin to buy today.

$TAP vs. BNB: Which is the Top Altcoin to Buy Today?

BNB is valued at nearly $150 billion, whereas $TAP still trades in the millions. Binance conducts quarterly burns, but Digitap allocates 50% of platform profits to purchase $TAP on the open market, burning 50% and distributing the remaining 50% to stakers.

This clean link between platform success and token price is another big driver of this presale’s early success, flying past $1.2 million in record time.

Momentum is everything in crypto, and $TAP’s 144% gains show where capital is moving. If investors are bullish on real-world payments and stablecoins in 2025, $TAP is an excellent bet. The app is already downloadable today, and investors can try it before buying—something unheard of in the crypto presale game.

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