Bitcoin Is Falling, But Don’t Call It a Bear Market Yet? Digitap’s ($TAP) $2M Raise Proves Banking Bull Run is Just Starting

Bitcoin dropped like a stone through the 50-week moving average—the key support level throughout this entire bull cycle—and then dropped below $92,000. Fear and Greed is at 11 (Extreme Fear), and most investors are wondering if the bull market is over.

Yet while majors display huge weakness, crypto presales are booming, and fresh money keeps marching into PayFi tokens like Digitap ($TAP). This omni-banking app has already crossed $2 million, signalling that the banking bull run is just starting.

Asset selection is more important than ever, and while investors don’t want to buy overvalued layer one blockchains, they do want to buy projects at bargain prices that offer daily utility. That’s why Digitap is flying despite the bearish trend, and $TAP could even be the best crypto to buy now before 2026 starts. 

Is BTC Entering a New Bear Market? 

BTC’s loss of the 50-week moving average has soured sentiment dramatically. Some analysts are screaming that it is over and BTC will now continue trending downward, likely bottoming out at the prior cycle top ($69,000), while even more bearish analysts aim for $54,000.

While other analysts claim this is a standard bull market correction. Only time will tell who is correct, but the current biggest downside BTC faces is panic selling. BTC is disproportionately influenced by the profitability of the most recent holders, in this cycle, institutions. These buyers are the fresh capital, and when they are in profit, it builds confidence. The reverse is also true.

Realistically, bulls need to step in soon, but with long-term bullish structure broken and markets chopping, most traders and investors would be better off waiting on the sidelines until the market chooses a new direction.

But there is always a bull market somewhere, and PayFi tokens are skyrocketing in these conditions. Payments are non-cyclical and market agnostic. Regardless of equity prices, payroll, remittance, and cross-border transactions still need to happen, and that’s why Digitap’s crypto presale is flying in the current conditions. 

What Digitap Is Building: An Omni-Bank 

Digitap presents the world’s first omni-bank: a single money environment where fiat and crypto coexist. The app is live today on iOS and Android, and anyone can sign up for a Visa card, virtual and physical issuance, to start spending crypto with millions of merchants daily.

Non-KYC sign is available, and the cards integrate day one with Apple Pay and Google Pay. But the reason Digitap has shot past $2 million is because of its multi-architecture that can settle transactions on public blockchains or established banking corridors. This interoperability between the two financial systems is how Digitap creates value. Users can instantly swap from crypto to fiat on the platform—very useful in the current bearish conditions.

Thanks to this design, Digitap is ready to disrupt cross-border payment providers, and with the platform using stablecoins that settle in minutes for less than 1%, the advantage is clear against traditional providers who charge on average 6.4% with days-long settlement times. The end result is a user interface that feels like a polished neobank, with all the security of traditional banking, and all the speed of crypto. Balances move faster, and users pay lower fees. 

“Revolut Meets Binance”—Is $TAP the Best Crypto to Buy in November? 

Digitap offers a multi-currency fiat account, multi-chain wallet, instant crypto-fiat conversion, and crypto spending via a Visa card today. This Visa partnership drove aggressive presale inflows, given how rare it is for Visa to partner with a crypto presale, and even the tokenomics model is purpose-built to drive growth.

While BTC has and majors have printed lower lows, $TAP continues to fly up 150% from its original price of $0.0125. Investors who buy today also receive a big discount from its confirmed listing price of $0.14. But the reason $TAP ranks among the best cryptos to buy in November is because of its flywheel. 50% of platform profits are used to burn $TAP and reward stakers. This flywheel means more adoption leads to greater buying pressure.

Right now, with markets flipping bearish, large caps are overvalued, and the early-stage consumer finance apps present a much better ROI. The banking bull run is only just starting, and it is no wonder Digitap ranks as a leading altcoin to buy currently. 

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 

Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway 

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice