When Bitcoin starts puking on good news and AI tokens roll over together, markets stop caring about narratives and look only at fundamentals. The current market conditions are seeing ETF outflows skyrocket, high-beta AI names gap down on earnings, and traders ask themselves if a new bear market has already begun. In this type of environment, only fundamentals and real value creation can thrive.
DeepSnitch AI is riding the AI-agent tooling narrative while Digitap ($TAP) rides the banking tailwind. This live omni-bank is wiring stablecoins and crypto into the real economy with Visa cards and a multi-rail payments engine. The decision is easy when it comes to choosing which altcoins to buy in Q4.
Banking crypto offerings are outperforming more speculative AI-driven raises, and $TAP is standing out as the best crypto to buy now in a stressed, fundamentals-driven market.
Banking Crypto Offerings vs AI Agents: The Market’s 2025 Mood
The macro backdrop is simple: Bitcoin has lost its up-only momentum, and AI has shifted from infinite demand to investors asking for proof of demand. Earnings reports for big AI infrastructure names still print monster revenue numbers, but traders are now fading the numbers, worried about how crowded the trade has become. And each dip in majors triggering flashbacks to previous cycle tops.
Investors are asking which projects sit atop real, growing flows. Payments and stablecoins are the clearest example. Cross-border payments already move close to $200 trillion annually and are projected to exceed $290 trillion by 2030 as real-time rails, digital wallets, and tokenized value go mainstream. This creates massive opportunity tokens in the payment narrative. AI still exists in a hype-driven and momentum cycle phase. And it is much more sensitive and prone to sentiment reversals. That’s why Digitap and other banking crypto initiatives are outperforming AI agents in the final part of 2025.
DeepSnitch AI: AI-Powered On-Chain Alpha
DeepSnitch AI aims to build a suite of AI agents that monitor on-chain activity, detect risk, and provide actionable signals for traders. The core product includes SnitchFeed as a real-time market radar, SnitchScan as a “gem hunter” for new tokens, AuditSnitch as a contract-scanning bodyguard, SnitchGPT to turn raw on-chain data into natural-language insight, and SnitchCast for curated alpha streams.
The idea is solid, and although the early phase has shown some solid momentum with $550,000 raised, this crypto project faces obvious structural limits. DeepSnitch AI’s market is traders, and when trading volume goes down, so does demand for trading tools.
If spot and derivatives volumes continue to compress in a prolonged drawdown, demand for alpha tools will dry up. While DeepSnitch has promised to build something interesting, the biggest risk is how tightly coupled this project is to AI sentiment and trading cycles.
Digitap: The Omni-Bank Climbing Shortlists of Altcoins to Buy
Digitap is the world’s first omni-bank. A new global money app anyone can download, where fiat, stablecoins, and crypto sit side by side and can be swapped, sent, or spent as one balance. The design is deliberately familiar and aimed at both crypto and non-crypto users.
The dashboard features multi-currency fiat balances and on-chain holdings across multiple networks. Importantly, the complexity of moving between rails is hidden behind the interface. Underneath all this slick UX is Digitap’s multi-rail engine. It can send payments on-chain or on legacy banking rails, depending on which is faster when the user wants to move money.
The Visa card program has been a huge success with thousands already using non-KYC virtual cards and Apple Pay and Google Pay support from day one, which means users can tap with their phone and spend crypto with millions of merchants.
One of the most notable design choices, and a large driver of why $TAP ranks among the best cryptos to buy now, is the value-capture flywheel. The token supply is fixed at 2 billion tokens, with 50% of profits earmarked for large-scale burns and staking rewards.
This mechanism turns adoption and growth into sustained buy pressure, and the current price of $0.0326 is still heavily discounted from the confirmed listing price of $0.14. All of this together is why Digitap is a leading altcoin to buy, especially for investors bullish on payments. While markets burn, $TAP has raised $2.1 million and looks like equity in a fintech built for the stablecoin era.
$TAP vs DSNT: Which Crypto to Buy Now in a Defensive Market?
Which is the best crypto to buy now? $TAP or DSNT, does either have a chance of hitting a 50X next year? One project aims at payment flows measured in the hundreds of trillions of dollars over the coming decade, while the other aims at on-chain memecoin traders.
The difference in target markets is what truly separates these projects, and most don’t appreciate how large cross-border partnerships are. Roughly $190 trillion was processed in 2023, and this figure is only increasing as stablecoins become core infrastructure for fintechs like Digitap.
The reality is that the ceiling for a consumer-facing omni-bank is much higher than for trading tools aimed at crypto traders. Additionally, Digitap’s value capture design puts it in its own league, especially among crypto initiatives. Among the current crop of altcoins to buy, Digitap’s banking stack looks better positioned than most, and with favorable macro tailwinds, this could become one of 2026’s fastest-growing success stories.
Discover the future of crypto cards with Digitap by checking out their live Visa card project here:
