January 2026 is witnessing a surge in interest for banking-focused cryptocurrency projects, with Digitap's $TAP token presale emerging as a standout. The presale has already raised over $4 million, selling nearly 200 million tokens and connecting over 120,000 wallets, positioning it as a serious contender among altcoins like Polkadot (DOT), Uniswap (UNI), and Ripple's XRP.
Digitap differentiates itself by focusing on real-world banking utility through its live financial app. The platform combines crypto wallets, fiat balances, and global settlement rails (SEPA, SWIFT) into a single system, enabling instant conversions between crypto and cash. It targets massive underserved markets, including the 1.4 billion unbanked population and the global remittance market, offering cross-border transfer fees under 1% compared to traditional rates exceeding 6%.
Meanwhile, established altcoins face their own challenges. Polkadot (DOT) has seen a roughly 10% price increase following its January 2026 listing on Robinhood and shows signs of whale accumulation. It has held a $2 support level and broken out of a falling wedge pattern, with a technical target near $4. However, its momentum remains neutral (RSI ~52), and it remains tied to broader market sentiment and regulatory timelines, including ETF filings from Grayscale and 21Shares.
Uniswap (UNI) benefits from its dominant position in decentralized trading and a recently approved "UNIfication" proposal that burns 100 million UNI tokens and redirects protocol fees into ongoing burns. Despite this improved tokenomics structure, it faces regulatory uncertainty in the U.S. and a patent lawsuit from Bancor, creating legal overhangs in a cautious market.
Ripple's XRP, valued over $120 billion, remains the institutional payments leader but is weighed down by high inflation, insider selling, and a downward trend since July of the previous year. The analysis suggests the payments race is shifting toward consumer-facing applications, creating an opening for projects like Digitap.
Digitap's $TAP tokenomics allocate 50% of platform profits to buybacks and staking rewards, aiming to reduce supply and reward holders as adoption grows. The current presale price is $0.0427, scheduled to increase to $0.0439 in less than a week, with a confirmed listing price of $0.14. The project is framed as a fintech product built for adoption regardless of market cycles, making it an attractive option in what is described as a risk-off, selective market environment.
