In 2026, the big prize is modernizing global payments and digital banking. XRP shot to a $130 billion valuation on this promise, but now the next cohort of winners is poised to deliver what XRP promised more than a decade ago. Digitap ($TAP) and Remittix are going head-to-head to win the payments race this year.

One offers a live omni-bank anyone can download today, and the other is a remittance tool yet to be released. Both of these crypto presales have been highly successful in their early stages, proving massive demand for consumer banking and payment applications in the new stablecoin era of banking.

Surprisingly, the next-gen of altcoins to buy looks like fintech. All have a clean interface, solve a real pain point, and capture value. The best cryptos to buy now are all on the application layer, and whoever wins the consumer banking race could easily shape the coming decade.

Time to see who wins the banking race this year: $TAP vs. RTX.