A 2026 comparison of Digitap ($TAP) and Remittix as next-gen fintech cryptos competing to modernize global payments and banking.
Digitap TAP
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.
Remittix: The Remittance Crypto Presale
Remittix is a payments project aimed at crypto-to-fiat transfers and cross-border payments. The idea is straightforward: connect a wallet, pay flat fees, initiate transactions in crypto, and receive payouts in local currencies to bank accounts globally.
This crypto presale has already raised over $28 million and has announced that public access to its PayFi platform should drop next month. While still an early-stage project, Remittix could easily become a serious contender in 2026.
Cross-border transactions at flat fees are attractive to millions of users globally. If Remittix can meaningfully disrupt payment corridors, it is easily one of the best cryptos to buy now. But that’s a big if because these corridors are highly competitive. And this is where Digitap has a real advantage.
Its global money app is already live, and thousands of users are already using its Visa debit card to spend crypto with millions of merchants globally. Execution risk is enormous for presales, and with Digitap, that risk has been minimized by the fact that it has already shipped its product.
Digitap: A Full Stack Omni-Bank
Digitap has blurred the line between fiat and crypto with its omni-banking services. Anyone can download the app on iOS and Android today, and this global money app offers a single dashboard where money finally behaves like it should in the 21st century.
Users can hold, move, swap, stake, and spend over 100 cryptocurrencies and 20 fiat currencies without juggling multiple accounts. The big breakthrough for Digitap is packaging stablecoins and crypto rails into a familiar banking interface. This is likely why it has enjoyed strong adoption right out of the gate, and why it looks more like a fintech than a crypto presale. It simply offers a better experience.
Offering a full banking stack is also what makes $TAP a more interesting altcoin to buy compared to RTX. Retail adoption happens with a bundle of behaviours, not a single action. Digitap delivers cross-border payments that settle in minutes for less than 1%, solving the biggest pain points in cross-border transactions (speed and cost), and has built out an additional suite of features.
Its Visa card solves the last-mile problem. On-chain balances become spendable in the real economy, and the multi-rail engine and banking partners power instant crypto-to-fiat transactions, enabling Digitap to send transactions over traditional banking rails or blockchains, blending TradFi and DeFi for the first time.
Why Digitap Comes Out Ahead of Remittix in Early 2026
Remittix targets the remittance market, whereas Digitap targets the broader banking market. This means Digitap wins on scope. Its omni-banking app already covers remittances and covers a larger slice of a user’s financial life. And this means $TAP could attract a much more attractive multiple than RTX.
Upside potential also leans toward $TAP. Remittix has raised $28 million, and Digitap has just raised $4 million, meaning more potential upside for early investors. Currently, $TAP is available for just $0.439, and with a confirmed listing price of $0.14, there is a more than 3X potential by the time it lists for anyone buying today.
The Digitap crypto presale also wins on the tokenomics front. 50% of platform revenue is used to fund a token flywheel (token burns and staking rewards), whereas RTX remains a governance token with no claim on revenue. Both could do excellently this year as banking presales skyrocket, but $TAP clearly comes out ahead as the best crypto to buy now for banking bulls.
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
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