With the crypto market no longer focused on short-term volatility, analysts and long-term investors are converging on a single theme: utility will be more important than ever. The latest crypto news posts on Twitter and CoinMarketCap community updates show that there is an increasing gap between the speculative digital assets and blockchain projects that are designed to be used in the real world.
As crypto regulation gradually starts to take shape in major jurisdictions, capital is starting to gravitate toward altcoins that are resistant to the crypto bull run and crypto bear market. This change is the reason why analysts are reconsidering old networks such as Stellar and Monero, alongside keeping a keen eye on newer infrastructure-centered networks.
Hype cycles are no longer the sole factor that has dominated the Best Crypto to Buy Now discussion, but questions about on-chain activity, long-term adoption, and whether a project can create value beyond crypto exchanges. With 2026 in sight, XLM, XMR, and RTX are now being mentioned as altcoins that will be in a better position to take advantage of this more disciplined, utility-focused phase of the crypto market.
Stellar (XLM): Institutional Payments Infrastructure.
Stellar has been able to remain relevant quietly by being focused on a single mission, which is cheap cross-border payments. With the global payments infrastructure emerging as a more popular issue in blockchain technology, analysts believe that XLM is a beneficiary of new institutional adoption.
Over the past two weeks, market sentiment around XLM has improved alongside discussions about stablecoin issuance and financial inclusion use cases built on the Stellar network
What makes XLM compelling in the Best Crypto to Buy Now debate is its positioning. Stellar is not pursuing the hype of decentralized finance (DeFi) or even experimental decentralized applications (dApps); rather, it is still developing settlement rails that are attractive to enterprises and NGOs.
Price projections for XLM heading into 2026 remain moderate rather than explosive, but many crypto investors view it as a lower-risk altcoin with asymmetric upside if institutional payment adoption accelerates. In a market increasingly focused on fundamentals, Stellar’s consistency is becoming an asset rather than a drawback.
Monero (XMR): Privacy as a Long-Term Value Proposition
Monero holds a niche in the crypto market, and it is constructed on privacy and censorship resistance. Although regulation of crypto has caused some exchanges to be cautious, analysts believe that the pressure makes Monero more relevant in the long term instead of less relevant.
Recent community discussions and crypto analysis threads point to the consistent network usage and consistent adoption by loyal users despite regulatory headwinds.
The strong point of XMR is its ruthless attitude towards privacy. With the increasing surveillance issues in the world, Monero keeps gaining users who value financial independence.
Experts debating the Best Crypto to Buy Now often cite Monero as a hedge against over-financialization of blockchain networks. While explosive price action is not guaranteed, XMR’s consistent utility and dedicated user base give it long-term staying power heading into 2026.
Remittix (RTX): Real-World Utility Meets 2026 Growth Potential
RTX represents a different category altogether, an emerging altcoin built to solve practical payment problems at scale. Remittix is a crypto-to-fiat infrastructure that allows users to transfer digital assets to real bank accounts. This practical orientation is in line with the direction that the experts think crypto adoption is moving.
Remittix wallet is already available in the Apple App Store, and will soon be available in Google Play, highlighting the actual implementation over the promises. The PayFi platform will be launched on 9 February 2026, and momentum is building up in anticipation of this event, which many analysts regard as a key catalyst.
Key Remittix features include:
- Send crypto directly to real bank accounts in seconds
- Built for borderless payments with global reach
- Supports 40+ cryptos and 30+ fiat currencies
- Real-time FX conversion with transparent rates
- Audited by CertiK for security assurance
Adding to urgency, a limited 200% bonus is currently running, with only 5 million tokens available and 25% already sold within 24 hours. For investors searching for the Best Crypto to Buy Now with potential 100x upside, RTX is increasingly framed as a utility-driven asymmetric bet rather than a speculative meme.
Final Thought
As 2026 approaches, the Best Crypto to Buy Now narrative is clearly shifting. XLM offers stability, XMR delivers ideological resilience, and RTX brings real-world utility with outsized growth potential. These are three very different paths, but all aligned with where experts believe the crypto market is heading next.
Discover the future of PayFi with Remittix by checking out their project here:
Website: https://remittix.io/
Socials: https://linktr.ee/remittix
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Source: https://www.livebitcoinnews.com/best-crypto-to-buy-now-experts-give-their-take-on-2026s-most-anticipated-altcoins/
