With the Fear & Greed Index pinned at 10 (Extreme Fear) and Bitcoin slipping below the 50-week moving average that has supported the entire bull run, capital is rapidly migrating to projects with real products. Crypto presales are enjoying a renaissance as investors scramble to dodge volatility while locking in ground-floor access to projects that will drive the next leg of growth. Investors are prioritizing PayFi projects with a heavy preference for adoption over promises. All the leading altcoins to buy converge on PayFi, and the project leading the list of best cryptos to buy now is the platform that makes stablecoins usable at scale—Digitap ($TAP).
Why PayFi Leads Markets Currently
Payments are market-agnostic; money flows in both recessions and bull markets. Stablecoin supply continues to grow rapidly, and 2025 is the golden age for digital dollars. They are compressing settlement time and speed while expanding dollar dominance—this is why the Trump administration wants to scale total supply to 3 trillion this decade. This is the overarching narrative that investors should track for 2026.
LivLive: The First Global AR Game Layer
LivLive is building an AR, Pokémon-Go-style rewards layer for real-world assets, aiming to turn location and participation into tokenized incentives. The idea is experiential distribution, where user action in the physical world enables the collection of RWA drops from partnerships.
In a risk-on environment, this futuristic branding idea could perform extremely well, marking a foray into what the future of advertising may look like. The core strengths are narrative novelty and partner flexibility.
An AR engine can host massive campaigns while a tokenized reward system turns these campaigns into on-chain assets. A very interesting crypto presale, but only time will tell if it can thrive in a bearish market environment.
Digitap Built the World’s First Omni-Bank and Raised $2 Million in Record Time
Digitap positions itself as the world’s first omni-bank. This means a single money environment where fiat, stablecoins, and crypto coexist in one account. The engine running underneath operates a multi-rail architecture that selects the cheapest, fastest corridor for settlement.
Digitap combines the best of traditional banking and cryptocurrency with public blockchains, offering stablecoin speed and established banking lanes such as SWIFT, SEPA, ACH, and Faster Payments for enhanced reach and liquidity.
The token design converts usage and adoption into demand, with a supply capped at 2 billion, and 50% of platform profits dedicated to burns and staking rewards. Digitap is pioneering a new revenue-sharing model that allows token holders to share in the platform’s success.
As card volumes and transfers scale, buy pressure will rise, creating greater token scarcity. This long-term mechanical tailwind could lead to serious upside potential for $TAP in the coming months and is a large reason that this nascent crypto presale ranks among the best altcoins to buy in November.
LivLive vs. Digitap — Which Is the Best Crypto to Buy Now?
LivLive is building an RWA and AR platform branded as “Pokémon Go for assets.” It’s a creative approach to RWAs, but it is the type of project that performs best in a risk-on environment when liquidity is sloshing around in the system. Digitap, by contrast, is market agnostic, focusing on payments.
It is a bet on the convergence of crypto and fiat, and digital finance becoming the dominant behavior among consumers. The omni-bank approach collapses silos (deposits, swaps, cross-border payments, and card spend) into a single control surface. Thousands of users are already spending their on-chain balances using the Visa card, and in a month defined by fear, projects with real-world use cases are shining.
Anyone can download the app today on iOS and Android, and with a confirmed listing price of $0.14, the current price of $TAP, $0.0313, offers a steep discount. Crossing $2 million in bearish conditions is a signal, and $TAP could just be a future blue-chip explaining why it ranks among the best cryptos to buy in November.