Bitcoin Dips Below $90,000 as AI Worries Dent Risk Appetite – Digitap’s ($TAP) Stablecoin Rails & Banking App Make it Best Crypto To Buy 2026

Bitcoin just reminded everyone that it can still move fast in the wrong direction. On Dec. 11, it briefly fell below $90,000 as broader crypto prices slid amid fresh concerns about artificial intelligence (AI) profits, weighing on risk sentiment. 

That kind of risk-off mood is exactly when many beginners start searching for the best crypto to buy now, which feels less like a casino bet. Digitap ($TAP) fits that role because it is built around stablecoin settlement and a working banking-style app, not just price speculation.

What Happened With Bitcoin and Why It Mattered

Bitcoin dipped below the $90,000 level as markets reacted to a sour shift in risk appetite tied to AI-related concerns. The trigger was not crypto-specific. It was broader market nerves after Oracle’s outlook missed expectations and executives flagged higher spending, raising doubts about how quickly AI infrastructure spending turns into real profits. 

Since BTC has fallen to $86,000 and ETH has lost the vital $3,0000 level. This matters for one simple reason: when tech sentiment wobbles, risk assets tend to wobble together. Crypto often gets hit harder because it trades 24/7, and retail holders react quickly.

How a Risk-Off Mood Changes What People Want From Crypto

When markets get nervous, a lot of tokens that depend on hype, momentum, or future promises lose oxygen fast. That’s where crypto for beginners often turns into a painful lesson, not because people are foolish, but because they arrive late to narratives that only look obvious in hindsight.

In a risk-off stretch, the winning idea is often boring on purpose:

• Reduce exposure to wild volatility.
• Use assets that can move value quickly, cheaply, and predictably.
• Focus on the utility that still matters even when charts look ugly.

That’s why stablecoins keep showing up in serious conversations about the best cryptocurrency to buy now when volatility starts to punish speculative assets. They are not exciting, but they are useful. Stablecoin supply has been pushing into the $300 billion range in 2025, which is a decent signal that the market is treating them as real settlement tools, not a niche side quest.

And the real-world “why” is straightforward: cross-border money movement is still expensive. The World Bank’s Remittance Prices Worldwide tracker puts the global average cost of sending remittances at around 6.49%.

When people are paying fees like that, anything that makes transfers cheaper and faster tends to find demand.

Why Digitap’s Stablecoin Rails and Banking App Matter in This Exact Moment

Digitap’s pitch heading into conversations about the best crypto to invest in 2025 and beyond is not that the team hopes it will pump, but rather that they are building what still works and grows even when markets are shaky. 

Digitap leans into three defensive ideas that match bear-market psychology:

1) Stable Settlement to Protect Against Volatility

Digitap’s instant crypto-to-fiat swaps, powered by its licensed banking partners, enable users to swap between assets at any time. In a bear market, being able to instantly swap crypto to fiat is invaluable. 

2) A Live Banking-Style App, Not a Roadmap Fantasy

Beginners trust what they can use. A working app that helps manage balances and move money matters far more when people are evaluating the best crypto to invest in long term, especially during a downturn.

3) Value Capture Through $TAP Mechanics

The broader talking point is simple: if the app generates real activity, $TAP captures value through a deflationary model where app profits are used for buybacks and token burns, reducing supply even when markets are weak. That framing is especially important when risk appetite gets dented, and speculative liquidity dries up.

This structure is reinforced by Digitap’s use of licensed financial partners and tiered account options, which adds a layer of compliance and transparency that many early-stage crypto projects lack.

Where $TAP’s Presale Fits (Numbers, Not Noise)

Digitap’s presale is designed to feel like math, not wishful thinking: a lower current price, staged increases, and a planned listing level. In that environment, many beginners look for how to buy crypto before exchange listing rather than chasing candles once volatility returns.Digitap’s published presale metrics also lean into social proof: over 143 million tokens sold at $0.0371, with more than $2.5 million raised, and Round 2 nearing completion with the next price step at $0.0383. The listed target referenced in the talking points is $0.14.

A Christmas Overlay That Actually Makes Sense (Only Until Christmas)

Because this is a seasonal campaign window, Digitap is also running a 12-day holiday rewards countdown, structured like a digital advent calendar with new drops every 12 hours, giving users a reason to check back regularly even as markets stay cold.  A project that can keep attention without relying on price pumps tends to build stronger momentum heading into the next cycle.

In a risk-off environment where attention fades quickly, that kind of repeat engagement signals community resilience rather than short-term hype.

Outlook: What This Could Mean Heading Into 2026

Nobody can guarantee 2026 outcomes, and anyone who does is selling people a feeling, not information. All investors can do is track which narratives survive ugly markets.

The short version:

• Bitcoin dropping below major levels on broader market fears shows how quickly sentiment can flip. 
• Stablecoins keep growing as practical settlement tools, not just trading chips.
• Traditional cross-border transfers remain expensive, so cheaper rails are a real demand story, not a meme. 

Digitap’s best crypto to buy 2026 angle is this: if the next phase of crypto growth is driven by payments, stable settlement, and real-world utility, then projects built around stablecoin rails and banking workflows may have a cleaner narrative than tokens that exist only to be traded.

BTC or $TAP: Which is the Best Crypto to Buy Now?

Bitcoin slipping below $90,000 on AI-profit worries is a reminder that crypto still trades like a high-volatility risk asset when macro sentiment turns.

In that kind of environment, Digitap is designed to be defensive: stablecoin rails, a usable banking app, and a $TAP narrative tied to utility instead of pure hype. If 2026 rewards projects that help people move and spend money, not just speculate, that’s the lane Digitap is trying to own.

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