Best Crypto to Buy Now: A Deep Dive into the Top 3 Presales That Whales Are Piling Into

Crypto investors have entered a new phase of accumulation, and the focus has shifted sharply toward crypto presale projects that show clear utility and product readiness.

Institutional and retail whales alike are pouring millions into early-stage tokens that combine fintech usability with decentralized infrastructure. The hunt for the best crypto to buy now has become more strategic, as investors prioritize tokens that already have functioning ecosystems rather than abstract promises. 

Among the standout altcoins to buy, Digitap ($TAP) leads the pack — joined by two fast-rising presales that are gaining serious traction as Q4 unfolds.

1. Digitap ($TAP): The world’s first omni bank with Visa integration. 
2. Nexchain ($NEX): Infinite AI scalability through blockchain. 
3. Remittix ($RTX): Zero fee crypto to fiat conversions worldwide. 

#1 – Digitap ($TAP): The Future of Omni-Banking & Global Payments

Digitap isn’t just another crypto presale; it’s already a functioning fintech platform that connects crypto and traditional banking under one roof. The app, now live on both Apple and Google Play stores, allows users to store, spend, and stake crypto alongside fiat — a feature that puts it miles ahead of the average presale-stage project. With more than $1.3M raised from whales and 90M tokens sold, the project’s growth trajectory has been remarkable.

Yet Digitap’s real strength lies in its utility-driven model. The app’s Visa-linked debit card lets users spend globally without converting funds through traditional banks. Meanwhile, its staking system offers 124% APY, and 50% of platform profits are automatically used to burn $TAP or reward stakers — a deflationary loop that directly benefits holders.

Beyond product delivery, Digitap also appeals to the unbanked. Its zero-KYC onboarding opens access to regions excluded from conventional financial systems, tapping into an estimated market of over 1.4 billion people. Analysts see this accessibility as a defining reason why whales have begun loading positions ahead of what could be a major launch rally.

#2 – Nexchain ($NEX): AI Meets Blockchain for Infrastructure Efficiency

While Digitap bridges banking and crypto, Nexchain steps into the infrastructure side, combining AI with blockchain logic. According to the project website, the token presale has begun at a reduced price and is designed for fast transaction throughput, hybrid consensus, and cross-chain interoperability. The AI L1 blockchain has raised over $11M thus far.

Whales are taking notice thanks to its technical ambition and early-stage entry point. Its appeal lies in scalability and interoperability, two pain points that have slowed AI adoption in decentralized ecosystems. 

Nexchain’s design allows AI agents to process and verify data across multiple networks without relying on a single control point. This model aims to reduce gas fees and improve node communication, making it a practical framework for data-driven automation. The protocol’s goal is to let AI services exchange information in real time, supporting smart manufacturing, financial automation, and predictive systems in DeFi. 

For those seeking altcoins to buy that capture both AI and infrastructure growth, Nexchain offers clear exposure to one of 2025’s most promising intersections. Analysts suggest that if adoption continues at its current pace, Nexchain could enter exchanges with strong momentum similar to early-stage AI tokens from 2023 and 2024.

#3 – Remittix ($RTX): PayFi & Cross-Border Payments Reimagined

The third standout presale this quarter is Remittix, a project building next-gen payments infrastructure on a decentralised framework. While large-cap payment tokens have matured, Remittix takes a fresh route,  integrating secure transaction layers with fiat conversion tools designed for seamless cross-border transfers. It has raised $27M thus far and is priced at $0.1166.

Its main feature is the beta wallet that supports multiple fiat currencies and real-time FX conversion. Whales are drawn to Remittix because it represents that middle ground: regulatory awareness without surrendering the core principles of crypto freedom. As digital finance moves toward data security and self-custody, payments projects like this may see a resurgence in 2025. 

Remittix could do very well if it penetrates the trillion-dollar payments industry. While Remittix does not offer the full suite of financial services similar to an omni bank like Digitap, it excels in the subcategory of crypto-to-fiat conversions. It offers zero FX fees and instant worldwide transfer from crypto to fiat, which is attractive to business owners and retail users alike. 

Why Whales Are Avoiding Speculative Tokens

This new wave of investment shows that whales are no longer interested in speculative hype alone. The days when vague roadmaps and celebrity promotions could move markets are ending. Now, the most serious capital is flowing into projects that demonstrate working models and measurable traction. 

Digitap exemplifies this shift with a real app, global payments integration, live exchange, and deflationary tokenomics. And all of this is accessible through a low presale entry price, with a current 80% discount compared to launch, and an 11% automatic increase in the next stage

Similarly, projects like Nexchain and Remittix show that innovation still matters and target similar goals, but execution and usability determine staying power. Both of these coins have seen investor interest due to their specific niche and technical proficiency. Market observers note that whales often accumulate in projects long before retail investors notice momentum.

This pattern mirrors previous cycles where early participants in Solana or Polygon saw exponential returns once the wider market caught up. The same playbook could apply here: early entry during the presale phase, before exchange listings, when valuations remain attractive.

Finding The Best Crypto To Buy: Utility Leads The Way

Whales have made their move early, and retail investors are starting to follow. Whether it’s through a redefinition of global banking, AI scalability, or crypto to fiat payment, these three altcoins to buy define the next phase of crypto maturity.

Digitap, with its omni bank approach, stands as the clearest example of how DeFi and TradFi can finally merge. Nexchain and Remittix, meanwhile, represent strong bets on AI and crypto to fiat conversion — two of the fastest-growing narratives. 

In a market full of noise, the smartest investors are backing projects that already work. And in that regard, Digitap’s crypto presale sits comfortably at the top of the list, as a working product that unifies all financial services, at the perfect moment for global adoption. 

And, if whale investment is any indicator, it could easily be the best crypto to buy for 2025. 

Discover how Digitap is unifying cash and crypto by checking out their project here:

Presale: https://presale.digitap.app

Website: https://digitap.app 

Social: https://linktr.ee/digitap.app