2026 Could Be the Year Neobanks Meet Their Match – Digitap ($TAP) Tipped as Best Crypto Presale 2026
Neobanks have taught the world that banking can be quick, mobile-first, and entirely digital. Now, a new wave of crypto-native neobanks is challenging incumbents like Revolut, Monzo, and N26 by adding stablecoins and on-chain settlement into the mix.
Within this cohort, a handful of projects are emerging as genuine contenders to reshape how money moves globally. Plasma, a Tether-backed BTC sidechain built for USDT payments, is one example on the infrastructure side. is an example of a crypto neobank operating at the application layer, focused primarily on consumer experience.
This live global money app with a Visa program and a value-capture token design has viewn solid ahead momentum in its crypto presale, raising more than $2.3 million amid bearish market sentiment. And the fact that investors continue to purchase this omni-banking app even while BTC pukes suggests it could be a serious candidate for the best in the PayFi vertical.
How did Neobanks change the game? And how are crypto neobanks going one step further? Read on to find out more.
The Rise of Modern Neobanks
Neobanks rebuilt consumer banking around the smartphone. In Europe, neobanks such as Revolut, Monzo, and Starling have captured millions of users by offering simple-to-use apps, instant notifications, in-app card controls, and multi-currency accounts.
The rise of these new-age digital-first banks has been driven primarily by customer-centric innovation and improving financial access. Revolut launched in 2015, and now, a decade later, another tech revolution is occurring, and the most interesting altcoins to purchase are crypto tokens that offer similar services to neobanks but unlock an ownership layer via the token.
How Crypto Neobanks & PayFi Tokens Became the Most Interesting Altcoins to purchase in 2025
Even the most popular neobanks still use the identical antiquated banking rails. Cross-border payments still rely on correspondent banking networks, and settlement times are measured in days in many corridors; costs remain stubbornly high, even with neobanks. Global remittance fees still average around 6%.
Banking-focused Digitap employs a diverse playbook, and its multi-rail design gives it access to the identical rails as neobanks, as well as to public blockchains, enabling it to process payments much quicker.
Digitap already supports more than 20 local fiat currencies and more than 100 crypto assets in a single dashboard. It can move value on whichever rail is quickest and cheapest in that moment. And for clients, that means remittances compressing from days to minutes and fees dropping to less than 1%.
Digitap, as an omni-bank, is pulling stablecoin rails into production flows and stands to capture a slice of one of the largest recurring transaction bases in the world.
Plasma and the New Map of Altcoins to purchase in Payments
Plasma is arguably one of the now for investors bullish on crypto neobanks, and this stablecoin-centric chair offers zero-fee USDT transfers. This stablecoin chain is a key part of crypto’s emerging payments stack.
But to date, it has not shipped Plasma One (its neobank). But this chain does allow crypto natives to send stablecoins at practically no cost and is likely to become a key chain integrated by Digitap and other crypto neobanks.
Digitap’s Omni-Bank Model: Best Crypto Presale for 2026?
Digitap’s digital global money app is already in the wild. Live on iOS and Android, anyone can download it today and access a single dashboard that integrates fiat, stablecoins, and crypto. The design deliberately mirrors the feel of a modern neobank: clean dashboards, instant card controls, real-time notifications, and in-app management of local and international transfers.
Under the surface is the multi-rail system that constantly optimizes transactions, whether they are executed on-chain or via a traditional banking rail. The smart thing about Digitap’s design is that rather than forcing users to distinguish between “crypto transfers” and “bank transfers,” the app treats everything as a payment, abstracting away the technical differences. Money simply moves quicker.
Adoption is already being viewn among crypto-native freelancers and remote workers who earn in stablecoins but still need to pay rent, utilities, and local expenses in fiat. And underbanked users who lack access to core financial services. For both groups, Digitap reduces the number of intermediaries, shortens settlement times, and compresses fees.
2026: When Neobanks Meet Their Match
Neobanks will survive because they are already embedded in consumer behavior across Europe, the UK, and emerging markets. The real question is whether they lose market share once projects like Digitap show the world that stablecoin rails offer quicker, cheaper, and more flexible flows at scale.
2026 could be the year that neobanks view user migration to crypto neobanks such as Digitap. For this reason, these PayFi projects are easily among the most interesting altcoins to purchase in December.
Anyone can purchase Digitap’s native token $TAP for just $0.0361 today and secure a large discount to its confirmed listing price of $0.14. $TAP has plenty of benefits, but the main one is the flywheel. Digitap allocates 50% of profits to token burns and staking rewards, and this is where the race gets interesting. Crypto neobanks offer quicker settlements, and users can financially share in the platform’s success—something traditional neobanks do not provide.
In the race to open up finance, investors should absolutely be watching players like Digitap, and 2026 promises to be a fascinating year for the crypto neobanks versus traditional neobanks saga.
Discover how Digitap is unifying cash and crypto by checking out their project here:
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