Top 5 Banking Cryptos To Buy Before 2028: Digitap ($TAP) is the Best Crypto to Buy This Year

Banking-focused crypto presales are moving into the spotlight as regulation tightens and users demand fair, low-cost financial services. But instead of speculative projects, investors are favouring utility projects that mirror real banking functions such as payments, custody, yield, and asset management.

This shift is shaping how people assess altcoins to buy in a turbulent market environment. Thus far, the Digitap ($TAP) omni-bank has stood out as the

best crypto

to buy this year, with a full range of live banking services and Visa-compatible card payments across the globe.

With 2028 in view, these five banking-oriented projects stand out for very different reasons, ranging from early-stage omni-banking to established financial infrastructure.

• Digitap: Omni-Bank Crypto Presale With Full Financial Stack
• Remittix: Cross-Border Payments And Remittance Focus
• Ripple: Institutional Payments And Financial Infrastructure.
• SwissBorg: Wealth Management And Yield Platform
• Superfluid: Real-Time Streamed Financial Flows
• 1. Digitap: Omni-Bank
Crypto Presale
• With Full Financial Stack

Digitap is positioned as a full omni-bank that merges crypto and fiat into a single platform. Users can manage accounts, make payments, swap currencies, and interact with both crypto and traditional banking tools in one environment. The platform is already live with over $4M of whale investment and 190M tokens sold, in just over 4 months.

Its delivered utility separates it from the majority of early-stage banking tokens that remain hype-based. Investors can test the product before any capital is allocated, and there is no risk of delivery because this has already been achieved. The app is available on iOS and Android today.

As a crypto presale, Digitap offers early access at $0.0427, which is still around 70% discounted from its planned $0.14 launch price. Importantly, the value proposition starts with the product, not the price. Token utility is tied directly to platform activity, with 50% of profits used for token burns and staking rewards.

This alignment between usage and value makes Digitap one of the most compelling altcoins to buy for investors focused on adoption rather than speculation. For many, this structure supports the view that it is the best crypto to buy this year. It also benefits from a tiered KYC policy. This enables users to select their compliance level, opening up the market significantly.

• 2. Remittix: Cross-Border Payments And Remittance Focus

Remittix is built around improving cross-border payments by reducing friction, cost, and settlement time. Its focus is on crypto-to-fiat bank payments. By targeting real payment flows rather than trading activity, Remittix aligns closely with everyday financial use. The crypto presales have raised $28M so far.

The project aims to simplify how value moves between countries, which is a key theme for banking-related crypto platforms. While still early, its use case is clear and easy to understand. However, it has a smaller target audience and a single use case, focusing on crypto-to-fiat payments for online merchants.

• 3. XRP: Institutional Payments And Financial Infrastructure.

XRP is one of the longest-standing banking-focused cryptocurrencies, with deep integration into institutional payment systems. Its role has increasingly shifted toward custody, treasury services, and enterprise-level settlement rather than retail speculation. This evolution reflects a more mature position within the financial system.

While XRP no longer offers early-stage upside, it provides exposure to regulated infrastructure and established partnerships. For investors balancing risk, XRP can serve as a lower-volatility banking asset compared with newer platforms. It remains relevant among altcoins to buy. Investors wont benefit from explosive growth. Ripple is already seeing previous price hikes — but a large-cap banking crypto can help with portfolio diversification,

• 4. SwissBorg: Wealth Management And Yield Platform

SwissBorg focuses on crypto wealth management, offering users access to yield products, portfolio tools, and structured financial services. Its emphasis is on helping users manage and grow assets rather than trade actively. This positions it closer to a digital private banking model. Similar to Digitap, the app is already live to download.

The platform appeals to users who want guided financial tools within crypto. Its regulated approach and user-centric design support steady adoption. For investors evaluating altcoins to buy with a strong focus on asset management and user trust, SwissBorg occupies a distinct niche.

Unfortunately, BORG trades at a premium without an early-stage price, and users are forced to download the app to make a purchase, which is an additional friction point. Its also only regulated within the EU market.

• 5. Superfluid: Real-Time Streamed Financial Flows

Superfluid provides infrastructure that enables real-time payments and streaming finance. Rather than acting as a consumer bank, it underpins financial applications that require continuous value transfer. This makes it a foundational layer for next-gen banking and payroll.

Its role is more technical, but its relevance grows as financial products move toward real-time settlement. Superfluid fits into the banking narrative through infrastructure rather than direct user services. For investors seeking exposure to financial plumbing rather than front-end platforms, it stands out among altcoins to buy in the long term.

• Why is $TAP The
Best Crypto to Buy
• Before 2028？

Digitaps early-stage crypto presale position, live omni-bank product, flexible KYC policy, Visa-backed card payments, and profit-linked model help explain why it is often viewed as the best crypto to buy this year. It could realistically displace established providers such as Revolut and Wise if it gains further adoption.

Remittix, XRP, SwissBorg, and Superfluid also have valid use cases within a maturing banking ecosystem that is still figuring out how to successfully integrate crypto. They are sound altcoins to buy, but fail to deliver the upside potential of Digitap, which is the only fully fledged omni-bank on the market right now.