Vanguard has opened the floodgates, marking 2025 as the year digital assets become mainstream finance. An asset manager with more than $11 trillion under management is now allowing its clients to buy ETF products tied to BTC, ETH, SOL, and XRP. This development is creating a durable bid under major cryptocurrencies and sets the stage for the next market rotation. Once the base layer is institutionalized, capital typically starts hunting for higher-risk bets to express the same themes.
That's why a live payments project like Digitap ($TAP) has suddenly become a standout crypto presale in the banking lane. And $TAP is one of the few altcoins to buy that already behaves like a fintech. Investors are questioning if it could be the most interesting crypto to buy now.
Vanguard’s Pivot and the New Floor Under Majors
For years, Vanguard has refused to touch crypto. That era is now over, as clients can allocate to a collection of ETFs tracking BTC, ETH, SOL, and XRP. This shift matters because Vanguard sits at the center of an enormous web of passive flows. Retirement contributions and low-fee balanced portfolios are all size buyers of whatever sits inside their approved menus. With crypto ETFs now included, each new paycheck and each new rebalance becomes a small but persistent source of demand for crypto.
So what are the best cryptos to buy now under this new regime? Bitcoin and Ethereum still trade in line with macro conditions, but they are becoming default components of diversified portfolios. This is incredibly bullish on a five-year view, but it also means the easiest money in these trades has likely been made. Anyone searching for altcoins to buy that can deliver multiples is already shifting further out on the risk curve.
The biggest success story this cycle has been stablecoins. Yet, most users who would benefit from them have never touched a wallet. That gap between what is possible today and what mainstream users experience is exactly where PayFi sits. Digitap has built the front end to put stablecoins in the hands of millions, if not billions, of new users.
Digitap’s Omni-Bank: Stablecoins and Fiat in One Global Money App
Digitap’s core idea is straightforward: all forms of money should live in one place, move instantly, and be spendable anywhere. The team has implemented that vision as an omni-bank—a global money app that brings together fiat, stablecoins, and crypto into a single account, with a neobank-style interface.
The product is live today on iOS and Android, and anyone can use it before participating in this crypto presale. This product approach helps explain Digitap’s enormous early success in raising $2.2 million since launch. Users can hold more than 20 fiat currencies alongside more than 100 altcoins.
But how can Digitap move value across borders in minutes? The answer is the multi-rail architecture. Whenever a user initiates a transfer, Digitap’s routing engine evaluates cost and speed in real time, then decides whether to send the payment over a public blockchain or traditional systems such as SWIFT, SEPA, ACH, or Faster Payments.
Crypto-to-fiat swaps are instant, and for end users, all the complexity disappears. They see funds leave one account and arrive in another in real-time. Now, anyone can route salary, remittances, and bills through one digital app that behaves like a modern bank but moves money at crypto speed.
Digitap’s Banking Crypto Presale Visa Cards Live Now
Digitap has leaned heavily into card distribution with its Visa program. Both virtual and physical cards that can be plugged into Apple Pay and Google Pay are available today. This means stablecoin balances, BTC, and other altcoins can be spent with millions of merchants worldwide. This pragmatic approach to adoption is why $TAP ranks among the best altcoins to buy in December.
Thousands of users are already spending on-chain balances, and the non-KYC virtual card was a game-changer for crypto natives. For the next generation of wealth—Gen Z and younger Millennials with global incomes—this is what banking should look like.
Vanguard-Era Liquidity and the Quiet Bull Case for Banking Tokens
The most important thing Vanguard’s shift signals is not a blow-off top in bitcoin, but the normalization of crypto in mainstream portfolios. And now, BTC and the majors will likely exhibit the classic slow-and-steady grind up like the S&P 500.
The bull case for banking altcoins to buy is that they close the gap between on-chain and traditional finance. That’s what Digitap is doing today, and this crypto presale also offers a new type of token flywheel using 50% of platform profits for token burns and staking rewards.
As more volume runs through this flywheel, it will reduce supply and let holders earn a decent yield—currently 124% APR for presale investors. So far, Digitap has raised around $2.2 million, and the current price sits at $0.0334, which looks very cheap compared to $TAP’s potential growth prospects. This stage is already 95% sold out and is scheduled to increase to $0.0361 in two days.
As the Vanguard era begins, most of the upside will be captured on the application layer. And a live omni-bank crypto presale like Digitap easily leads as a top altcoin to buy, given it can ride the coming 2026 payments bull run.