Market Risk-Off Move Sees Bitcoin and Ethereum Fall as Digitap ($TAP) Builds Its Banking Stack

Bitcoin’s price has plunged under the $86,000 support level, dragging the broader market down with it. With a few days left in the year, Bitcoin looks poised to close 2025 in the red, driven by unfavorable data and poor market sentiment.

At $88,000, Bitcoin is down around 6% year-to-date. Surprisingly, this is better than major altcoins like Ethereum, which is down around 8%.

Bitcoin and Ethereum are both trading in bear territory, typically defined as a 20% fall from recent highs, and sentiment is unmistakably jittery, with Bitcoin and Ether failing to show sustained buying momentum over the past few months.

Why December’s Fed Cut Failed To Spark A Crypto Rally

Macroeconomic factors are driving crypto prices lower. The U.S. Federal Reserve’s quarter-point interest rate cut in December was meant to support markets. In fact, rate cuts are among the most powerful catalysts for risk-on assets. 

Rate cuts can force investors to abandon investments that now yield lower returns and seek better opportunities.

But the recent rate cut came with unusual dissent within the Fed. The rate cut was viewed more as a necessity due to a deteriorating economic outlook than a natural move after rates were pushed higher 11 times from near zero in early 2022.

Bitcoin and Ethereum initially moved higher following the rate cut announcement, but gains were short-lived. Investor sentiment failed to improve, especially as the market started to price in a single rate cut in each of 2026 and 2027.

Other asset classes further confirmed this risk-off sentiment. Gold has nearly fully recovered from a sudden sell-off in October, while major equity indices are trending near all-time highs. 

This makes it clear that investors aren’t in full panic mode; rather, the risk basket of altcoins isn’t an attractive opportunity compared to what can be found elsewhere.

However, amid this market turbulence, one presale project is attracting attention as a potential hedge in the crypto space. Digitap ($TAP), the creator and marketer of the world’s first “omni-bank,” is gaining attention because its model is tailor-made for a risk-off environment.

Revenue Makes Digitap Feel Safer Than Majors

Digitap is a fintech startup building a comprehensive banking stack that bridges traditional finance with crypto.

Users can open multiple offshore fiat bank accounts and transact with more than 100 digital assets. Banking features include global money transfers, savings tools, and, most recently, a Visa-powered debit card that can be preloaded with fiat or crypto.

In contrast to well-known crypto market-driven value, Digitap is backed by its working product and real revenue. The next-generation banking app is already live on iOS and Android devices and can also be accessed via a web browser.

This omni-bank approach means Digitap isn’t just another speculative token. Instead, it’s the fuel that powers an ecosystem that provides tangible financial services. 

During market stress, features such as low-cost global money transfers or the ability to spend crypto on a Visa card deliver real utility that drives value for investors regardless of market swings.

$TAP Going on A Steady Climb

Digitap’s presale was launched in late summer near the peak of the bull market. Encouragingly, the tokenomics were built for stability and safety in all market conditions. 

Digitap’s distribution model uses a tiered staging approach, rather than an unpredictable market float. Each presale stage has a predetermined price increase, and the value of $TAP gains after the conclusion of each round.

$TAP was initially offered for sale at $0.0125 and has steadily risen to $0.0383, giving early investors a more than 200% paper profit.

If an investor had a $50,000 crypto portfolio that fell 30% since the selloff started, it would be worth $35,000 today. But if that same investor had allocated 15% to $TAP at $0.0125, the total portfolio would be up around 5.5% at $50,480.

This kind of steady, programmed growth has proven to be a portfolio saver amid the current crypto slump. It speaks to sustained investor demand for Digitap’s business model, while the nearly $2.75 million raised affirms investor confidence in its long-term value.

To celebrate the Christmas season and reward both loyal community members and investors, Digitap is hosting a 12-day holiday sale event.

Running through January 2, Digitap’s presale widget is loaded with holiday offers, including bonus $TAP purchases or platform rebates.

The deals are time-sensitive, and once they expire, they are gone for good.

Final Thoughts: Digitap’s Bank Stack Stands Out

The broader crypto community has flocked to Digitap thanks to its real-world use case and resilient business model. 

The ability to bridge traditional banking and crypto could give Digitap long-term endurance and growth potential, especially as the macroeconomic environment remains shaky.

As investors continue to rotate away from high-risk cryptos, Digitap offers a compelling alternative. It is a utility-rich crypto that offers the revenue model and early-stage valuation of a fintech startup.

If the current risk-off sentiment trend persists, Digitap’s banking stack approach and its ability to hedge against downside could very well make it the leading platform.

Digitap is Live NOW. Learn more about 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