ETH Hits $3,100 & 2026 Altcoin Takeover Is Here: Digitap ($TAP) Ranked Best Crypto To Buy this Year

Source: Coindoo Original Title: ETH Hits $3,100 & 2026 Altcoin Takeover Is Here: Digitap ($TAP) Ranked Best Crypto To Buy this Year Original Link:

ETH trading above $3,100 is the clearest sign yet that traders are feeling optimistic heading into 2026. FOMO is starting to ratchet up, and the tone has shifted from survival to positioning. Small caps look great here with majors starting to wake up.

Most attractive are crypto presales, which could go on a monster rally as confidence returns. Most of the most interesting altcoins to buy in 2026 are utility-driven, as the era of blind speculation comes to a close. As utility takes the driver’s seat, projects built around banking and aiming to unlock a new digital-first era in finance are fast emerging as top investment candidates.

ETH Passes $3,100: A Spark for Altcoin Season?

ETH crossing $3,100 matters for one simple reason: it means the market is willing to take risk. A major reclaiming a clean psychological level means that investors and traders are buying into strength instead of selling it. And with the RSI looking bottomed, ETH could kick off an expansionary leg here.

This is the foundation for an altcoin season. The bigger question is whether ETH can print a new all-time high in the first half of 2026. If it does, it becomes the cleanest possible catalyst for a broad risk-on phase, and smaller alts could print multiples in this window.

ETH grinding higher is good for the entire market, and the scramble is on to find the best altcoins to buy before altseason begins. In 2026, the most obvious category is banking.

Altcoins to Buy: Why Banking Looks Primed to Rip this Year

Markets are rewarding utility. Crypto has spent years building infrastructure. In 2026, the winners will be the applications that turn that infrastructure into something people actually want to use. Banking and payments fit that requirement perfectly.

The banking trade also fits well with the direction of regulation. As regulation improves, the space for consumer-grade financial apps is expanding rapidly. And the stablecoin tailwind is the other part of the story.

Stablecoins are the best product crypto has ever created, solving the problem of moving money fast without friction. This year is about who captures the user interface layer where stablecoins become everyday money.

Omni-Banking Platform: Tools for Both Sides of the Market

Omni-banking platforms are emerging as key infrastructure, designed to blend fiat, crypto, and stablecoins into one unified experience. The key is the architecture underneath.

Multi-rail settlement means value can route across the best available path, whether that is legacy banking rails or a blockchain, without forcing the user to understand how any of it works. Complexity is the biggest barrier to adoption in crypto. Most users do not want to learn about wallets, gas, bridges, or chains. They want money to move quickly, cheaply, and reliably, in an interface that feels familiar.

A user-friendly neobank-style UX delivers the best of both worlds: it gives non-crypto users crypto settlement speed without the crypto learning curve. At the same time, it gives crypto natives a banking toolset that makes on-chain balances more useful in daily life. Visa card programs unlock real-world spending with on-chain balances, and this last mile has been the missing piece for true stablecoin adoption.

If the market is right about a stablecoin-driven decade, then the apps that make stablecoins spendable at scale are the most likely to grow this year. Instant crypto-to-fiat conversions and this digital-first approach to finance could be one of the biggest breakthroughs of the year.

Ethereum vs. Banking-Focused Altcoins: Which is the Best Crypto to Buy Now?

ETH will always be a leading crypto to buy as a quality major. It continues to ship upgrades and will always perform well in a risk-on environment. But with its enormous market cap, upside is capped.

Banking-focused altcoins, on the other hand, are bets on the crypto as money thesis coming true. They have already delivered global money apps that anyone can download today. With presales crossing significant milestones in record time, and with tokenomics designs featuring platform profits used to fund staking rewards and burn mechanisms, they stand out as having some of the strongest structures on the market.

These crypto presales are already standing out and could easily become the fastest horses in the banking race. There might never be a better time to evaluate early adoption opportunities during presale phases.