Crypto Markets Today: Hawkish BOJ Comments Spur Sharp Bitcoin Price Downturn — Is Digitap ($TAP) Crypto Presale the Only Safe Haven Left?

Bitcoin started December in reverse gear. Hawkish commentary from the Bank of Japan has jolted global funding markets and threatens to flip the yen carry trade on its head. BTC dived to $85,000 and is now trading $40,000 below its peak in early October.

Institutional buyers continue to derisk (sell), and the new Japanese prime minister’s fiscal package is forcing the BOJ to abandon the ultra-dovish stance it has adopted for years. Global risk assets are suddenly exposed, and Bitcoin—the cleanest expression of global loose liquidity—is taking the hit.
The search for fundamentals has started again, with the best crypto to buy now in December coming from the PayFi sector. The Digitap ($TAP) crypto presale is taking no notice of the bearish conditions and continues climbing as a leading altcoin to buy this quarter. While majors bleed, this nascent fintech-like project is getting ready to start a financial revolution.

A Hawkish BOJ: The Carry Trade & Bitcoin

The yen has functioned as a global funding currency for more than a decade. Investors borrow cheaply in JPY and deploy into higher-yielding assets elsewhere. Normally, U.S. Treasuries, credit, equities, and crypto. As long as Japanese rates stay near zero and the yen remains weak, the carry trade pushes liquidity into global markets. The reverse is also true. 

The new stimulus push has turned the BOJ hawkish, and a hike in rates will cause the yen carry trade to unwind. Investors have to cut positions, and that’s exactly what is happening to BTC right now. The BTC chart is ugly, and if $85,000 doesn’t hold, the next natural support won’t arrive until $66,000. 

Why Crypto Presales Are Winning in this Environment

Fixed-priced crypto presales are shining. While majors fall off a cliff, smart money is rushing to snap up early-stage entries. These early-stage bets offer clear roadmaps, lower entry points, and exposure to the next generation of crypto products.

While BTC has lost more than $40,000 in price, and ETH grinds lower, Digitap has raised over $2.2 million from roughly 120,000 wallets. Early participants are sitting on paper gains of more than 160% and the current price of $TAP, $0.0334, will increase in 3 days, with plenty of room left for gains before it lists at $0.14.

Digitap’s Omni-Bank: Payments as the Next Growth Trade

Digitap’s core thesis is that the next leg of crypto adoption will be driven by payments. The omni-bank model is built around a simple user promise: all money should live in one balance and move at digital speed. The app is available today on iOS and Android and supports more than 20 fiat currencies alongside a large basket of crypto assets.

Under the hood, Digitap runs a multi-rail architecture that can route value over public blockchains or traditional banking systems such as SWIFT, SEPA, ACH, and Faster Payments. The routing engine evaluates cost and speed and constantly optimizes payments. This allows Digitap to deliver cross-border payments that settle in minutes for less than 1%. A massive improvement on traditional remittance providers, who charge on average 6.4% and measure settlement times in days.

Most importantly, this crypto presale ranks as a leading altcoin to buy because it benefits from the stablecoin supercycle. Stablecoins are quietly eating the world, and Digitap unlocks access to these digital dollars via its global money app for non-crypto natives. Ordinary users can now access stablecoin settlement speed without needing to use wallets, seed phrases, or exchanges.

That is why $TAP is increasingly seen as one of the more credible payments-focused altcoins to buy into 2026.

BTC vs. $TAP: Is Digitap the Only Safe Haven Left in Crypto?

Digitap offers transparent and value-focused tokenomics. The total supply of $TAP is capped at 2 billion tokens, and Digitap has committed to directing 50% of platform profits to rewarding stakers and burning $TAP tokens. This deflationary pressure and payout mechanism means token holders share in the platform’s success.

The upside from current levels is highly attractive. Today’s stage pricing is just $0.0334—a long way from the confirmed listing price of $0.14. And finally, the demand it targets is structural. The need for cheaper, faster cross-border payments does not depend on whether BTC trades at $60,000 or $160,000.

Digitap is plugging directly into an enormous market in need of disruption. As the stablecoin supercycle deepens and more economic activity migrates onto digital rails, projects like Digitap are primed to benefit. As the yen carry trade unwinds, $TAP presents a safe-haven play and one of the best cryptos to buy in December. 

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

This article is not intended as financial advice. Educational purposes only.