AI Bubble Risks In 2026: Why Digitap ($TAP) Banking Utility Is The Best Crypto To Buy Over Volatile AI Coins

Crypto is entering 2026 with a new source of risk building beneath the surface: the AI bubble. Massive capital flows into artificial intelligence have pushed valuations to extreme levels, and history shows that when crowded narratives unwind, spillover effects rarely stay contained.

While AI-themed tokens grabbed attention earlier in the cycle, many are now showing sharp drawdowns and fading momentum. In this environment, capital is rotating toward projects with tangible utility and predictable mechanics.

That is why Digitap ($TAP), a live banking-focused crypto presale, is becoming one of the best cryptos to buy now compared with volatile AI coins that rely on sentiment rather than usage.

Digitap sits at the opposite end of the risk spectrum. Instead of tying its value to speculative narratives, it builds financial infrastructure designed to function during both expansion and contraction. As AI-linked assets wobble and correlations with tech equities remain elevated, platforms anchored in payments, settlement, and revenue-backed models are getting relevance among traders looking for safer positioning.

AI Bubble Risks Grow as Capital Concentration Peaks

The scale of AI investment going into 2026 is unprecedented. Major technology firms plan to deploy more than $500 billion into AI infrastructure, while revenue-sharing and circular funding arrangements between AI companies have become common.

Source: ainvest.com

These dynamics often appear near cycle peaks, where spending outpaces proven returns. Central banks and institutional surveys now flag AI concentration as a top systemic risk, with many fund managers viewing the sector as overstretched.

Crypto markets are not isolated from this pressure. Digital assets remain closely linked to tech equities through risk-on behavior and liquidity flows. As AI sentiment weakens, correlated assets tend to reprice quickly. Bitcoin’s institutional support may cushion the downside, but broader altcoins are more exposed. Recent data already shows AI tokens down sharply on both monthly and year-to-date bases, reflecting declining confidence.

This matters for allocation decisions. AI tokens often depend on future adoption narratives rather than present cash flow or usage. When liquidity tightens, these narratives lose power. That is why many traders are stepping away from high-beta AI exposure and reassessing altcoins to buy that operate as businesses rather than promises. Digitap fits directly into that rotation by offering banking functionality that generates activity regardless of market mood.

Why Banking Utility Outperforms AI Narratives in a Downturn

Digitap is built as an omni-banking platform. The app allows users to hold, send, and spend crypto alongside fiat, all within one interface. Users can access no-KYC wallets for basic use, while higher tiers unlock SEPA transfers, international settlement, and card functionality. This structure becomes especially valuable when traditional banking access tightens or crypto on-ramps face pressure.

Unlike AI tokens that rely on abstract future use cases, Digitap already operates a live product. Funds can be converted and settled in real time, reducing exposure to price swings during transactions. This practical design makes Digitap relevant even when markets contract, positioning it as a crypto to buy now for defensive strategies rather than speculative ones.

Staking further reinforces this stability. Rewards are distributed from a fixed pool instead of inflationary emissions. Early exit penalties burn unclaimed rewards, supporting supply discipline. For holders navigating uncertainty, this model provides yield without expanding circulating supply, which contrasts sharply with many AI projects that dilute holders to fund ongoing development.

Crypto Presale Momentum, Buyback-and-Burn, and Why $TAP Stands Out

Digitap’s crypto presale continues to advance while AI tokens struggle. More than 163 million $TAP tokens have already been sold, with over $3 million raised so far. The current price sits at $0.0383, and the next increase to $0.0399 is locked in for the upcoming stage.

Moreover, Digitap operates a buyback-and-burn model tied directly to platform profits. Fifty percent of revenue is used to repurchase $TAP from the market.

Half of those tokens are permanently burned, reducing total supply, while the remaining portion supports staking rewards as passive income. This creates a feedback loop where platform usage directly supports token value, a dynamic rarely seen in AI-focused projects.

To mark the new year, Digitap also introduced the NEWTAP code, which grants bonus tokens on eligible presale purchases. This incentive adds extra upside at a time when many traders are repositioning away from crowded narratives and into infrastructure-driven plays.

A Safe Rotation Into the Best Crypto to Buy Now

All in all, AI may remain transformative in the long run, but markets rarely reward crowded trades during periods of tightening liquidity. With AI tokens already showing structural weakness, exposure to banking and payment infrastructure offers a clearer risk profile heading into 2026. $TAP stands out among altcoins to buy by combining live utility, fixed supply mechanics, staking rewards, and a revenue-backed burn model.

As the presale moves toward its next price increase and capital continues rotating away from high-volatility themes, Digitap positions itself as the best crypto to buy now for traders seeking stability, control, and real usage instead of unstable AI narratives.

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

Disclaimer: This story is not part of Outlook Money's editorial content and was not created by Outlook Money journalists.