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Ripple’s XRP token looked poised to recapture the $2 level on Dec. 17, but investors showed no interest at the higher price. The token has sunk back to $1.85 amid rising macroeconomic concerns. Even previously top altcoins to buy that appeared relatively stable are being hit hard, as risk-off sentiment shows no signs of easing. XRP’s breakdown below the key psychological level of $2 highlights how even the largest altcoins are moving in unison with the broader market rather than on their own merits. As speculative altcoins like XRP struggle, Digitap ($TAP), the crypto presale project behind the world’s first “omni-bank”, has gained traction in recent weeks. The fintech startup offers investors a near-term hedge against the bear market, with a framework purpose-built for a downturn. Table of Contents How Digitap’s Live Banking App Differs From XRP’s Market Behavior Understanding $TAP Token Model and Supply XRP’s Market Correlation and Macro Influence How Digitap’s Model Fits into 2026 Market Trends Disclaimer How Digitap’s Live Banking App Differs From XRP’s Market Behavior Digitap has drawn interest from users exploring utility-focused token models. Unlike XRP, which trades in unison with broader market sentiment, Digitap is backed by a working financial product. Its global banking app is already live on iOS and Android app stores, along with a web version. Digitap users are able to manage both fiat and crypto balances in one app. This includes traditional banking features such as access to multiple offshore fiat bank accounts, global money transfers via bank rails or crypto networks, foreign exchange conversions, the ability to invest in more than 100 digital assets, and more. All users also have access to a Visa debit card funded from their account, either in fiat or crypto. Digitap combines fiat and crypto features to offer a blended approach to payments. For example, money remitters typically charge an average of 6.2% to move customer funds worldwide, but Digitap’s peer-to-peer app could move the same money at a cost of less than 1%. An optional no-KYC signup process and global presence give Digitap an extremely large total addressable market. There are more than one billion adults worldwide who don’t have modern access to banking systems. Many of these adults live in countries where access to ID is not possible. This makes Digitap a top altcoin to buy, as it is one of the few fintech companies positioned to reach the next one billion crypto users and deliver real financial inclusion. Understanding $TAP Token Model and Supply Digitap’s presale was launched in late summer and structured in stages or rounds, with the price of $TAP slightly inching higher once each stage sells out. The token was first offered for sale at $0.0125 and has steadily risen to $0.0383, giving early investors a paper profit of more than 200%. The presale has raised approximately $2.7 million, reflecting ongoing participation despite broader market conditions. The team recently confirmed that $TAP will graduate from a crypto presale token to trade on live exchanges at an expected listing price of $0.14. Digitap’s tokenomics appear purpose-built for a bear market, despite launching near the peak of the bull cycle. The $TAP supply is fixed at 2 billion tokens, while half of all platform profits are used to buy back and burn $TAP on the open market and to reward stakers. This model is designed to reduce circulating supply over time. To keep engagement high and reward its community who continue showing up despite a bear market, Digitap’s 12-day holiday campaign is running through January 2. Digitap’s presale widget will feature rotating daily bonuses and rewards that include bonus $TAP purchases, free access to paid features, and more. Once an offer expires, it is gone for good, so investors shouldn’t hold back on a rare festive sale for one of the best cryptos to buy for 2026. XRP’s Market Correlation and Macro Influence XRP’s token was once a near-unanimous pick among investors for inclusion in the list of best altcoins to buy. The token, long touted for its fast payments, resilience during prior market selloffs, and massive future potential, is now correlated with the general market’s movement. This is to be expected for the largest top-five altcoins by market cap, whether justified or not. During the current bear market, this correlation is a major overhang because it removes essentially every token’s ability to stand on its own narrative. As such, macroeconomic factors are compounding XRP’s downturn. The Federal Reserve’s recent quarter-point interest rate cut was expected to support markets, but investor anxiety around the timing of the next cut dominated sentiment. Similarly, a soft consumer price index reading at 2.7% triggered a rush of XRP buyers, but sellers quickly took over. A similar bout of anxiety followed, pushing XRP back to $1.85 and giving investors minimal hope that sentiment will improve soon. How Digitap’s Model Fits into 2026 Market Trends XRP’s correlation to the broader market is no different than how Nvidia or Apple trade in tandem with the Nasdaq index. The same investment thesis holds true in the crypto market, though many investors are understandably defensive. Thanks to its real-world use case and resilient token metrics, Digitap is being discussed within the context of projects emphasizing financial utility heading into 2026. The token could benefit over the coming years, given Digitap’s unique position as a bridge between traditional banking and crypto. The team has yet to launch a global marketing campaign, meaning the company’s best days are still ahead, as it offers a blend of stability and real-world utility backed by a defensive token model. If the current risk-off sentiment carries over into the new year, Digitap’s banking-stack approach could make it one of the best crypto presale projects for 2026. 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 Disclaimer Please be advised that all information, including our ratings, advices and reviews, is for educational purposes only. Crypto investing carries high risks, and CryptoNinjas is not responsible for any losses incurred. Always do your own research and determine your risk tolerance level; it will help you make informed trading decisions.

A persistent bearish trend has led to widespread declines across many altcoins over the past week. As a result, some market participants are researching alternative crypto assets that may behave differently during periods of market stress. However, evaluating crypto assets during a bear market remains challenging, as many price movements are driven by speculation rather than underlying fundamentals. This article examines five crypto projects that emphasize functional use cases rather than purely speculative narratives. The projects discussed include Digitap ($TAP), Solana (SOL), Chainlink (LINK), Cardano (ADA), and Monero (XMR), each representing different approaches to utility, scalability, data infrastructure, governance, or privacy within the broader crypto ecosystem. Table of Contents Digitap and Its Omnibank-Based Payment Model Solana and Its Scalability-Focused Blockchain Architecture Chainlink’s Role in Decentralized Data Infrastructure Cardano’s Research-Oriented Development Approach Monero and Privacy-Focused Cryptocurrency Design $TAP Token Overview Conclusion – Managing Investments During a Bear Market Disclaimer Digitap and Its Omnibank-Based Payment Model Digitap is a Web3 project that focuses on integrating crypto and fiat payment systems through an omnibank-style platform. The platform is designed to allow users to manage, store, and transact using both digital assets and traditional currencies within a single interface. The Digitap application is available on both the Play Store and App Store. According to the project, the platform aims to provide basic financial services to users who may not have access to traditional banking infrastructure, with account creation that does not require standard KYC procedures. Digitap also works with sponsored banking partners to access fiat payment rails such as SEPA and SWIFT, enabling cross-border transfers. The platform states that it seeks to reduce transaction costs compared to certain traditional payment services and offers optional virtual and physical Visa co-branded cards. In addition to its core product features, Digitap is currently running a time-limited seasonal promotional campaign intended to increase user engagement. Solana and Its Scalability-Focused Blockchain Architecture Solana is widely discussed for its scalability-oriented blockchain design, which emphasizes high transaction throughput and low transaction fees. The network supports a growing ecosystem of decentralized applications (dApps) across areas such as decentralized finance, NFTs, and on-chain gaming. In the short term, SOL has experienced downward price pressure alongside the broader market. Over the past week, the token declined following a market-wide selloff triggered by macroeconomic concerns, including uncertainty surrounding potential monetary policy changes by the Bank of Japan. After reaching lower price levels mid-week, SOL later stabilized as market volatility eased. From a longer-term perspective, Solana’s relevance is often discussed in relation to its expanding developer ecosystem and ongoing network upgrades, which continue to shape its role within the broader blockchain landscape. Chainlink’s Role in Decentralized Data Infrastructure Chainlink is an established oracle network designed to connect smart contracts with external data sources. By enabling access to real-world data, Chainlink supports a wide range of decentralized finance (DeFi) applications and other blockchain-based use cases that rely on off-chain information. LINK serves as the utility token within the Chainlink ecosystem, where it is used for node operator incentives and network security. Similar to other major crypto assets, LINK has seen price declines in recent market conditions, reflecting broader uncertainty across the digital asset sector. Despite short-term volatility, Chainlink continues to be referenced in discussions around decentralized infrastructure, particularly as more blockchain applications explore integrations with traditional financial and data systems. Cardano’s Research-Oriented Development Approach Cardano follows a development philosophy centered on academic research and peer-reviewed methodologies. This approach has historically resulted in a slower rollout of features compared to some competing blockchain networks. Recent upgrades, including scalability improvements such as Hydra, have expanded Cardano’s capacity to support smart contracts and decentralized applications. During periods of market weakness, ADA has also experienced notable price declines, reflecting reduced risk appetite among market participants. Nevertheless, Cardano remains an established blockchain project with an active development community and a governance model that emphasizes stakeholder participation. These factors continue to influence how the network is positioned within long-term blockchain research and development discussions. Monero and Privacy-Focused Cryptocurrency Design Monero is designed as a privacy-focused cryptocurrency, utilizing technologies such as ring signatures and stealth addresses to obscure transaction details. Unlike many projects that offer optional privacy features, Monero’s protocol enforces privacy by default. During recent market conditions, Monero has attracted increased attention amid growing discussions around financial privacy and surveillance. Over the past week, XMR recorded price gains while much of the broader market remained under pressure. Although XMR remains below its historical peak, it continues to be referenced in conversations about privacy-preserving digital assets, particularly as regulatory scrutiny and transparency requirements increase across the crypto industry. $TAP Token Overview $TAP functions as the transactional and governance token within the Digitap ecosystem. According to the project’s documentation, the token is intended to support platform operations, user participation, and governance mechanisms. The token has a capped supply and incorporates mechanisms designed to limit long-term inflation. $TAP is currently distributed through a multi-stage presale process, with pricing determined by predefined rounds set by the project team. As with many early-stage crypto assets, participation in presales carries higher risk, and outcomes depend on factors such as product adoption, regulatory developments, and broader market conditions. Learn more about 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 Conclusion – Managing Investments During a Bear Market Bear markets often encourage investors to look beyond short-term price movements and place greater emphasis on fundamentals and real-world utility. As outlined in this article, the highlighted tokens – Digitap, Solana, Chainlink, Cardano, and Monero – operate across different areas of the crypto ecosystem, including payments, smart contract infrastructure, data oracles, and privacy-focused networks. Rather than implying guaranteed outcomes, these examples demonstrate how factors such as practical use cases, ecosystem adoption, and long-term development strategies can affect how projects perform during market downturns. In highly volatile conditions, understanding the role and function of each asset within its broader ecosystem may help readers develop a more balanced and informed view of crypto market behavior in bearish periods. Disclaimer Please be advised that all information, including our ratings, advices and reviews, is for educational purposes only. Crypto investing carries high risks, and CryptoNinjas is not responsible for any losses incurred. Always do your own research and determine your risk tolerance level; it will help you make informed trading decisions.

Bitcoin (BTC) plunged below $85,000 overnight, triggering a market-wide liquidation. This sudden drop came as investors anticipated interest hikes from the Bank of Japan this week. With the top 10 cryptocurrencies bleeding, investors are searching for the best altcoins to buy to hedge against losses. Specifically, investors are rushing to join Digitap ($TAP), an upcoming Web3 project that connects crypto and fiat currencies to streamline payments. The project reports over 100,000 users and approximately $2.4 million raised during its ongoing crypto presale. The following sections outline factors influencing investor interest in Digitap. Table of Contents Bitcoin’s Decline Leads to Over $600 Million in Market Liquidations Digitap: Overview of Payment and Transfer Features Digitap Visa-Linked Card Features Explained Understanding $TAP’s Token Model and Presale Structure Disclaimer Bitcoin’s Decline Leads to Over $600 Million in Market Liquidations On Monday, Bitcoin’s price plunged rapidly, sparking sell-offs across most cryptocurrencies. As a result, the broader market witnessed liquidations totaling approximately $600 million. Bitcoin saw the most significant outflows, with investors closing long positions worth $218.7 million. Ethereum followed closely, with over $213 million worth of long positions liquidated. These losses came after fears that the Bank of Japan (BoJ) would tighten its monetary policy this week. If the BoJ raises interest rates, it will force investors who borrowed yen at low rates to buy high-yielding assets to close out their positions. It is worth noting that Bitcoin has previously plunged after the BoJ raised interest rates. At the time of writing, Bitcoin has recovered partially, climbing to $87,009. However, this price still represents a 5% weekly drop. In the higher time frame, Bitcoin’s price is down 30% from its October 6 ATH of $126,198. While Bitcoin has bounced back, its 30-day moving average is declining, suggesting a short-term weakening trend. With the BoJ expected to raise interest rates to a 30-year high on December 19, experts believe Bitcoin might plunge again to retest the $85,000 support level. This forecast explains why investors are diversifying portfolios by embracing Digitap, which has emerged as one of the best altcoins to buy. Digitap: Overview of Payment and Transfer Features With Bitcoin and other top altcoins caught in a descending channel, investors are migrating to Digitap. This burgeoning project has intrigued crypto enthusiasts because it bridges the gap between DeFi and TradFi. Digitap achieves this feat by allowing users to spend, invest, and manage crypto and fiat currencies through its innovative app. Unlike most crypto presales, which only present a roadmap in PDF format, Digitap has already launched the beta version of its app. The app offers features intended to increase accessibility for users seeking basic financial tools, including those without access to traditional banking systems. To streamline payments, Digitap inked deals with sponsored banking partners. These partnerships grant Digitap access to the traditional banking system, allowing users to use fiat payment rails such as SEPA and SWIFT. In addition, Digitap’s integration of blockchain technology ensures users enjoy high transfer speeds and fees of under 1%. Moreover, Digitap boasts an AI-powered routing engine that selects the best exchange paths for both crypto and fiat currencies. This automated engine ensures Digitap users get the best exchange rates every time they transact. Digitap Visa-Linked Card Features Explained To further simplify payments, Digitap issues virtual or physical cards in partnership with Visa. These Visa co-branded cards enable users to spend their crypto or fiat currencies anywhere in the world. These cards are also compatible with Google Pay and Apple Pay for seamless tap-to-pay transfers. Users can order both virtual and physical cards and complete KYC to unlock higher limits and offshore accounts. Virtual cards can be used for anonymous online spending, while physical cards can be used for in-person payments or cash withdrawals from ATMs. Cardholders may access features such as cashback, depending on eligibility and program terms. This explains why investors seeking top altcoins to buy are embracing Digitap’s innovative platform for all their purchases. Understanding $TAP’s Token Model and Presale Structure Digitap reports increasing participation in its presale, citing interest in its token model and platform features. It boasts a deflationary model with a fixed hard cap of 2 billion tokens. This not only prevents inflation but positions $TAP among the best crypto to buy now. Token holders enjoy benefits like staking APYs of up to 124%, fee discounts, and cashback promotions. At the moment, Digitap is progressing with its 12 Days of Xmas promotion. This promotion started on December 13 and runs until December 24. During this promotion, investors can win exciting prizes every 12 hours. Digitap Promotional Campaign: Over $300K in Holiday Bonuses and Events Currently in Round 3 of its ongoing crypto presale, $TAP is going for $0.0371. This price offers an appealing entry point, as the listing price is $0.14. Furthermore, experts expect the token to skyrocket in 2026 as more investors join the Digitap revolution. These factors have contributed to increased interest in $TAP among certain investor groups. Digitap Project Access and Additional Information: Presale https://presale.digitap.app Website: https://digitap.app Social: https://linktr.ee/digitap.app Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway Disclaimer Please be advised that all information, including our ratings, advice and reviews, is for educational purposes only. Crypto investing carries high risks, and CryptoNinjas is not responsible for any losses incurred. Always do your own research and determine your risk tolerance level; it will help you make informed trading decisions.

XRP enters December under renewed macro pressure, with Japan’s central bank expected to lift rates to a 30-year high. Historically, tightening from the Bank of Japan drains global risk liquidity, and during previous hikes, XRP suffered drawdowns of more than 20%. With the Fear Greed Index sitting at 24 and holiday volatility building, investors are rotating toward safer early-stage opportunities. Meanwhile, Digitap ($TAP) Christmas campaign, which unlocks 24 festive offers over 12 days, adds another catalyst at a moment when traders are actively searching for the best crypto to buy now before market conditions shift again. Table of Contents Market Conditions Affecting XRP Price Movement Comparing Token Utility Models During Market Volatility Overview of Digitap’s Holiday Promotional Campaign How TAP’s Token Model Functions During Presale Stages Differences Between XRP and TAP in Current Market Context Disclaimer Market Conditions Affecting XRP Price Movement At $1.99, XRP continues to struggle beneath tightening macro liquidity. The Bollinger Bands on the current chart show a prolonged volatility squeeze, with price riding the lower band since mid-October. Volume has thinned, a sign that buyers are reluctant to step in while global liquidity expectations worsen. The Bank of Japan’s projected hike could withdraw roughly fifteen billion dollars from leveraged crypto flows, a dynamic already echoed in XRP’s 18% decline over the past sixty days. Pattern reflects a classic compression phase before a volatility breakout, but with liquidity deteriorating, the bias skews toward continuation rather than reversal. XRP remains a major altcoin, but in the current cycle, the asymmetry for upside percentage gains has clearly shifted toward assets earlier in their growth curve. Comparing Token Utility Models During Market Volatility Digitap delivers a unified omni-banking platform that merges fiat and crypto, supporting 20+ currencies, 100+ digital assets, instant swaps, and borderless SEPA, SWIFT, and blockchain payments. With the app already live, $TAP powers payments, rewards, governance, and VIP features through a fixed two-billion supply reinforced by ongoing burn mechanics. This differs from XRP, which tends to react more strongly to macro liquidity conditions than to internal network usage trends. In volatile markets, deflationary token structures and active platform usage may appeal to some investors evaluating alternative assets. As holiday campaigns push user activity, the 12 Days of Christmas rollout delivers new rewards, from PRO account upgrades to boosted $TAP bonuses. At a time when broader markets are tightening, Digitap is expanding utility, reach, and consumer incentives. Overview of Digitap’s Holiday Promotional Campaign Digitap began its presale at $0.0125 and has climbed steadily to its current level near $0.0371, with more than 146 million tokens sold. Over 2.48 million dollars has already been raised, and only the final portion of the current round remains at this price before the next increase. This structure means the presale price increases are predefined and may progress independently of broader market movements. One distinguishing feature of $TAP is its deflationary mechanism. Half of Digitap’s app-fee profits buy back $TAP from the open market and burn it. If app activity reaches even modest adoption levels, this mechanism creates steady downward pressure on circulating supply. To put it into perspective, if monthly platform fees reach $5 million and 50% is allocated to buybacks, roughly $2.5 million worth of $TAP would be removed every cycle. The momentum is amplified by Digitap’s 12 Days of Christmas campaign. Every twelve hours, morning and evening, a new festive reward unlocks, giving users two chances per day to secure limited-time bonuses, boosted $TAP allocations, or exclusive account upgrades. Some offers have restricted slots, others expire when the countdown ends, and each “door” in this digital advent calendar disappears once claimed. This structure is designed to encourage recurring user activity during the presale period. How TAP’s Token Model Functions During Presale Stages The mathematics behind deflationary buybacks creates a vastly different trajectory from XRP, whose circulating supply remains stable and whose price movements depend heavily on macro liquidity. The TAP model incorporates mechanisms that adjust supply based on platform activity, such as payments, swaps, or staking. With a launch price set at $0.14, buyers at the current presale level secure an immediate structured gap between cost basis and listing valuation. A move from $0.0371 to $0.14 reflects a built-in gain of nearly four times, independent of market recovery. XRP, by comparison, would need to rise from $1.99 to more than $7.50 to mirror the same proportional return, an unlikely outcome within current liquidity constraints. Digitap positions itself as a platform designed to support a range of payment functions. In a tightening macro cycle, controlled supply, active utility, and guaranteed price progression through the presale model create a rare combination of stability and opportunity. Digitap Christmas Sale Is Live: Over $300K in Bonuses, Prizes, and Giveaways Differences Between XRP and TAP in Current Market Context XRP remains a major market player, but its near-two-dollar valuation, constrained volatility, and sensitivity to global liquidity mean its upside depends heavily on macro relief. Digitap, meanwhile, is at the start of its curve, with a functioning app, a deflationary token model, and a presale structure that steadily raises its price as rounds close. Its Christmas campaign adds urgency and value at a moment when investors are actively seeking the best crypto presales during uncertain markets. For traders prioritizing asymmetry, utility, and long-term scarcity, $TAP stands out as the crypto to buy now. The Digitap platform is currently active. More information is available at: Presale https://presale.digitap.app Website: https://digitap.app Social: https://linktr.ee/digitap.app Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway Disclaimer Please be advised that all information, including our ratings, advice and reviews, is for educational purposes only. Crypto investing carries high risks, and CryptoNinjas is not responsible for any losses incurred. Always do your own research and determine your risk tolerance level; it will help you make informed trading decisions.