Binance Coin overtook XRP to become the third-largest cryptocurrency by market capitalization in early October. Fast forward a few weeks, and its value has plummeted from around $178 billion to $122 billion.
The former top crypto to buy has fallen out of grace as multiple data points indicate slowing momentum. Meanwhile, Digitap continues to surge ahead despite ongoing bearish conditions. Digitap is the company behind the world’s first “omni-bank” and is celebrating a milestone raise this Black Friday weekend.
Digitap’s Utility Keeps It On Best Crypto To Buy Now Lists
Digitap is the company behind the world’s first-ever “omni-bank,” combining crypto and traditional finance on a single platform. The bank app is live on mobile devices and in a web browser, and it can send, receive, store, and invest in crypto and cash in one account. Digitap recently partnered with Visa so users can spend their crypto or fiat at any merchant that accepts Visa cards.
One of the ways Digitap is looking to differentiate itself is by beating banks and legacy financial institutions at their own game. Money remittance providers, for example, can charge users an average of 6.2% to move funds across borders because they hold a near-monopoly. But Digitap is looking to challenge the status quo with peer-to-peer transfers that could come in as low as sub-1%.
Around 800 million family members worldwide rely on remittances sent by 200 million migrant workers. This implies roughly one in eight people globally are impacted by high remittance fees. A potential savings of 5 percentage points or more translates to more money in the pockets of those who need it most.
The case for Digitap to be named a top altcoin to buy is grounded in the reality that investors appreciate platforms with real-world utility in large, underserved markets. If Digitap can capture even a small slice of the global remittance flow, it could validate its business model and sustain long-term growth.
Source: Digitap
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BNB Loses Momentum As Chain Activity And Volumes Decline
BNB’s price has plummeted nearly 22% over the past month alone as the former top crypto to buy has lost all momentum. The token is also down sharply from its all-time high of around $1,370, currently trading at around $880.
The selloff isn’t without reason. Data from DefiLlama shows BNB Chain’s daily transactions have been slashed by nearly half to 15.1 million in November. Network utilization is down around 20% and decentralized exchange volumes are down over 20%.
Still, there are reasons to remain optimistic that BNB could make its way back onto a list of top cryptos to buy. Notably, the U.S. Securities and Exchange Commission’s review of VanEck’s proposed spot BNB ETF remains ongoing. BNB has several potential catalysts in 2026, including performance upgrades to support institutional-grade DeFi and AI applications.
Source: DefiLlama
Digitap’s Startup Valuation Offers More Upside Than BNB Now
With BNB’s continued price struggles and catalysts only expected next year, retail investors appear to be looking elsewhere for upside. Digitap is a natural home for investors, as it provides a few overlapping services while offering much higher upside potential.
In fact, early investors have already profited tremendously from BNB’s rise over the year. The token is up a mind-boggling 750,000% since its creation, despite the recent slump. As such, expectations for outsized gains moving forward are limited. The best-case scenario is that BNB doubles in value over the next two to three years as momentum returns and upgrades to its network pay dividends.
By contrast, Digitap is a top crypto to buy because it offers a compelling alternative to the outdated and expensive financial ecosystem. It also trades at a startup-like valuation that the market has overlooked, but this won’t last much longer as its investment narrative gains additional credibility with each new user it onboards.
