December comes to a close, and the pace across crypto markets has noticeably slowed. Price action has flattened, and many participants are choosing caution over late-year speculation. When that happens, attention tends to move toward projects that are already live rather than those still promising future delivery.
It’s in that context that PayFi projects, built around using crypto as money, not just an asset, have started to make headlines. Two presales stand out in that category right now: Remittix ($RTX) and Digitap ($TAP).
Both have live products. Both are tackling crypto-to-fiat use cases. But despite Remittix raising more capital, Digitap is increasingly being viewed as the stronger, more execution-ready project, and the one investors are gravitating toward as one of the best crypto presales heading into the new year.
Remittix Raises Big, But Product Rollout Moves Slower
Remittix has not struggled to attract funding. The project has raised just over $28.5 million, with roughly 693 million RTX tokens sold, which shows strong interest in the idea of crypto-powered payments.
The platform is focused on remittances and transfers. It allows users to convert crypto into local currencies and send funds across borders. Notably, Remittix recently launched its wallet app on iOS, moving beyond concept and into early-stage usage.
However, the app itself remains behind in terms of rollout and performance. Android support has not yet launched, and some early users have reported performance issues and interface lag. In financial infrastructure, where reliability and speed are critical, even minor friction can slow adoption.
As a result, Remittix’s application currently appears early-stage, with development still catching up to the expectations set by its funding and ambitions.
Digitap Delivers A Full Crypto Bank While Still In Presale
Digitap is approaching the same problem from a wider perspective. Instead of focusing only on transfers, it is positioning itself as a crypto-fiat omnibank — a place where users can actually manage their money.
The difference is visible in the product. Digitap’s app is already live on both iOS and Android, offering crypto wallets, multi-currency fiat accounts, instant swaps, and card-based spending in one place. More importantly, people are using it. The platform has already connected over 120,000 wallets, which is unusual for a project still in presale.
This level of adoption changes how the project is evaluated. Digitap is not asking investors to wait for a future launch to judge whether the product works. It is already operating, and the presale is effectively funding expansion rather than initial development.
Best Altcoin To Buy With Utility-Based Rewards
The $TAP token is built into that ecosystem rather than sitting on the sidelines as a speculative asset. Its role is fundamental: holding the token makes the app cheaper and more rewarding to use.
Users who hold $TAP gain access to cashback rewards, reduced transaction fees, premium account tiers, and staking incentives. These benefits scale with activity, which ties the token’s relevance directly to how often the platform is used.
From a design standpoint, the supply is capped at 2 billion tokens, and there is no inflation planned. Instead of issuing new tokens to fund rewards, Digitap channels platform revenue into buybacks and token burns, gradually tightening supply as usage grows. That structure is a major reason the project is often mentioned among the best altcoins to buy from both a utility and investment perspective.
How Digitap’s Tiered Presale Rewards Early Participation
Digitap’s presale structure has also played a role in its momentum. Since launch, $TAP price has increased from $0.0125 to $0.0383, meaning early participants are already sitting on gains of more than 200%.
The next presale stage will move the price to $0.0399, and the team has set a launch price of $0.14. From current levels, that represents a potential 4x return if the project continues executing as planned.
So far, Digitap has raised over $3 million and sold more than 160 million tokens. While that figure is smaller than Remittix’s raise, it has been achieved alongside a live product and growing user base; a combination that carries weight in a cautious market.
Digitap’s New Year Bonus Adds Time-Sensitive Upside
Importantly, Digitap is also running a New Year Bonus Run, introducing a series of limited-time offers released daily. Early incentives include a +20,000 $TAP token bonus, high-yield reward tiers, and account upgrades, with eligibility requiring a minimum investment of $500.
Rather than acting as a simple giveaway, the incentive is designed to encourage longer-term participation during a period when many projects struggle to keep attention. Combined with the upcoming price increase, it has added urgency without relying on hype.
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Where Investors Are Leaning As PayFi Takes Shape
Remittix has shown it can raise capital and has taken meaningful steps with its iOS wallet launch. However, its product rollout is still incomplete, and adoption remains early.
Digitap, on the other hand, is already functioning as a full crypto-fiat banking platform, available on both major mobile ecosystems and supported by a growing user base. With its token deeply tied to real usage, a presale that has already delivered triple-digit gains, and a clear path toward a higher launch price, Digitap is increasingly being seen as the best crypto presale to buy this December.
For investors looking at the best altcoins to buy now, or projects that combine real utility with upside potential, Digitap is emerging as the PayFi project with the strongest execution heading into the new year.
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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