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Solana (SOL) is back in focus after recent price declines. The SOL price has recovered to around $125 after dipping close to $116 just days ago. Market participants are monitoring recent price movements. Short-term technical indicators show modest improvement. Capital outflows are easing. This raises renewed discussion about Solana’s medium-term price trajectory. But even as Solana shows short-term strength, Digitap ($TAP) positions itself as a utility-focused project with a different value proposition. The omnibanking platform offers stablecoin settlement, multiple banking rails, and a live app already available to users. Some market participants view Digitap as a project with distinct utility features. The project is currently running a presale alongside a limited-time promotional campaign. Over 120,000 wallets have already participated in the presale, indicating notable user interest during a period of broader market uncertainty. Table of Contents Solana Price Outlook: Technical Signals and Market Context Comparing Digitap’s Banking-Focused Model With Solana’s Network Utility Digitap Presale Overview: Participation Metrics and Token Distribution Overview of Digitap’s Limited-Time Christmas Campaign Utility-Focused Crypto Projects and Market Attention Trends Disclaimer Solana Price Outlook: Technical Signals and Market Context Solana is showing early signs of short-term recovery. However, broader conditions remain mixed. After months of declining prices through Q4, SOL rebounded from $116 to $125 within two days. This recent price movement drew attention because momentum had been limited for an extended period. Market activity had slowed in prior weeks. Traders remained cautious, and Solana appeared range-bound. This rebound aligns with on-chain data indicating reduced selling pressure. Chaikin Money Flow has also turned upward, suggesting capital outflows may be slowing. Despite this, the technical structure remains fragile. RSI sits at 41, indicating neither oversold nor strong conditions. Both the 20-day EMA near $130 and the 200-day EMA around $168 remain overhead resistance levels. These factors suggest limited upside in the near term. Ali, a market analyst, notes that SOL may still be retesting a prior breakdown zone, with potential downside risk toward $107. This analysis suggests that $250 is unlikely to be reached in the near term. At the same time, some investors are shifting attention toward newer utility-focused projects such as Digitap. Comparing Digitap’s Banking-Focused Model With Solana’s Network Utility Big blockchain platforms such as Solana have faced increasing competition as the crypto market evolves in late 2025. More users and developers are exploring projects that focus on practical financial use cases. One example is Digitap, an omnibanking platform designed for everyday crypto users. Digitap is not positioned as a high-speed blockchain. Instead, it presents itself as a financial layer that integrates crypto and fiat services. The platform aims to allow users to hold digital assets and traditional currencies, transfer funds, swap assets, and make payments without switching between multiple applications. For many users, this type of functionality may be more relevant than raw transaction throughput. Additional features promoted by the project include an emphasis on lower-cost and faster transaction processing. The platform highlights near-instant settlement and transaction fees advertised at under 1%. Digitap also offers physical and virtual Visa cards designed to enable crypto spending in standard retail environments. The project further promotes yield-related incentives through its presale, advertising high annual percentage rates during the early participation phase. Compared with established blockchain networks, Digitap positions its utility around everyday financial access rather than decentralized application infrastructure. The project has also referenced security audits conducted by Coinsult and SolidProof. Digitap Presale Overview: Participation Metrics and Token Distribution While Solana spent much of Q4 navigating bearish sentiment, Digitap attracted attention within the presale segment of the market. More than 120,000 wallets have joined the presale to date, suggesting early participation interest even amid broader market uncertainty. Based on project disclosures, the presale has raised over $2.7 million and distributed more than 150 million tokens within approximately two months. The $TAP token price has increased across multiple presale rounds, moving from $0.0125 to $0.0383. The current token price remains below the project’s stated launch price of $0.14, reflecting the structured pricing model typical of multi-stage presales. Some community members speculate on the project’s longer-term growth potential, though future price performance remains uncertain and dependent on broader market conditions. Overview of Digitap’s Limited-Time Christmas Campaign Digitap has also introduced a limited-time promotional campaign running alongside its crypto presale. The campaign spans 12 days and includes rotating incentives released at regular intervals. According to project materials, more than $300,000 in bonuses, rewards, and promotional incentives are being distributed throughout the campaign. Offers are updated periodically and displayed through the project’s presale interface, including account upgrades and token-related incentives. Details of individual offers vary over time and are not always announced in advance, with availability changing throughout the campaign period. Utility-Focused Crypto Projects and Market Attention Trends Solana’s recent rebound has renewed short-term technical interest, though current indicators suggest ongoing resistance and limited upside momentum. As large-cap assets consolidate, some capital appears to be flowing toward smaller projects focused on specific user needs. Digitap emphasizes cross-border payments and banking access as core components of its value proposition. Its positioning reflects a broader trend in crypto toward financial utility rather than purely speculative network growth. Over time, market valuations tend to respond to perceived utility and adoption. While Solana’s long-term outlook continues to be debated, projects like Digitap have drawn attention for targeting practical financial use cases. This helps explain why the project has generated interest among certain segments of the crypto community. For additional project information, readers can refer to the following sources: Presale: https://presale.digitap.appWebsite: https://digitap.appSocial: https://linktr.ee/digitap.appGiveaway Information: 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.

As crypto heads into 2026, one trend is becoming impossible to ignore: investors are no longer satisfied with holding digital assets that only live on exchanges. The question many are now asking is simple: if crypto is money, why is it still so hard to spend? This shift has pushed crypto-backed Visa cards into the spotlight. Once considered niche products, these cards are now competing as gateways between on-chain value and real-world spending. From reward structures to token economics, not all cards are created equal. Based on adoption trends, reward sustainability, and economic design, here are the top three crypto cashback Visa cards entering 2026, with Digitap ($TAP) standing out as the best crypto to buy now ahead of 2026. Table of Contents 1. Digitap ($TAP) Cashback Visa Card Overview 2. Bybit Crypto Visa Card Overview 3. Crypto.com Visa Card (Cronos) Features How Digitap’s Model Compares in the 2026 Crypto Payments Landscape Disclaimer 1. Digitap ($TAP) Cashback Visa Card Overview Digitap is positioned first on this list due to its distinct approach to crypto payments. Instead of layering a card onto an exchange or locking rewards behind staking tiers, Digitap has built an omni-banking platform where spending itself drives value. At its core, Digitap allows users to hold stablecoins and spend them anywhere Visa is accepted. Transactions settle instantly, removing the friction typically associated with off-ramping crypto. A notable difference lies in how the platform structures its rewards. Rather than issuing new tokens to fund cashback, Digitap uses a portion of transaction-related revenue to buy back its native $TAP token from the market. Half of these tokens are permanently burned, while the remainder is distributed to participants who stake. This design links card spending activity to token supply adjustments through buybacks and burns. Digitap also functions as a broader financial hub. Users can receive salaries, manage recurring payments, and operate with traditional banking details alongside crypto balances. This bridges a long-standing gap between blockchain assets and everyday financial workflows. From a user perspective, the $TAP token’s design may appeal to those evaluating utility-focused projects. Its fixed supply and usage-linked buyback model places Digitap among a growing class of crypto presales with real utility, rather than purely speculative launches. 2. Bybit Crypto Visa Card Overview The Bybit card is built with traders in mind, and its strengths reflect that focus. As derivatives activity increased toward the end of 2025, the card gained traction among users who wanted fast access to trading profits without leaving the exchange environment. Its key feature is flexibility. Users can spend directly from multiple crypto balances without transferring funds to separate wallets. For active traders, this structure may simplify fund movement within the platform. The rewards system is simple, with points that can be redeemed for trading-related benefits. That said, the Bybit card treats payments as a convenience rather than an economic engine. Cashback does not feed into a broader token model, and spending activity does not contribute to scarcity or long-term value creation. Additionally, higher foreign exchange fees and conversion spreads introduced in late 2025 have reduced net rewards for users spending internationally. For users who trade frequently and want quick liquidity, the Bybit card serves its purpose well. For users seeking platforms with built-in value accrual mechanisms, it may be less aligned with that preference. 3. Crypto.com Visa Card (Cronos) Features Crypto.com’s Visa card program is widely known within the crypto payments space. Backed by years of brand building and a polished mobile experience, it continues to attract users who value prestige and familiarity. The card lineup offers a wide range of benefits depending on the tier. Higher-level users gain access to airport lounges, subscription rebates, and elevated cashback rates. The ecosystem operated consistently throughout 2025, contributing to its continued presence in the market. However, the barrier to entry remains high. Unlocking meaningful cashback requires staking a large amount of CRO, often tens of thousands of dollars’ worth. For everyday users, this creates a difficult trade-off between access to rewards and capital flexibility. Lower-tier cards still impose monthly reward limits, reducing their usefulness for regular spending. CRO’s recent performance appears to reflect broader market trends. While the product works well for users with significant capital, it is less appealing for those seeking efficiency, accessibility, or exposure to emerging payment-focused innovation. How Digitap’s Model Compares in the 2026 Crypto Payments Landscape The broader market context matters. As large-cap assets consolidate, investors are increasingly rotating toward projects that solve practical problems. Payment infrastructure, particularly around stablecoins, has emerged as a key area of focus. Crypto.com offers a premium experience but favors wealthier users. Bybit excels at trader convenience but stops short of creating a value-generating payment economy. Digitap differentiates itself by linking spending activity with its token model in a way that benefits users and long-term holders simultaneously. This positioning has attracted attention among users following emerging payment-focused crypto projects. For those evaluating the best crypto presales 2025, Digitap’s emphasis on usability and its revenue-linked token model represents one way platforms differentiate themselves. As the market looks toward the next cycle, projects that turn crypto into something people actually use are gaining ground. For investors weighing the best crypto to invest in today, or assessing what could become the best crypto to buy in 2025, payment-focused platforms like Digitap are receiving increased attention within this sector. Digitap’s model places emphasis on integrating spending functionality directly into its ecosystem. Discover the future of crypto cards with Digitap by checking out their live Visa card 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, 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.

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.