Why is Crypto Down Today? Panic Selling Hits Majors While Digitap ($TAP) Banking App Gains Momentum

The crypto market is under renewed pressure today as panic selling sweeps across major assets following the largest crypto options expiry in history. Bitcoin has slipped below the $87,000 region, Ethereum is trading under $3,000, and broader sentiment remains clearly risk-off as traders unwind exposure.

In total, more than $28 billion worth of crypto options expired, triggering accelerated volatility at a time when liquidity was already thinning. With majors struggling to regain momentum, capital is beginning to look beyond traditional market-driven plays toward structured crypto presale opportunities with defined upside and real utility.

Digitap ($TAP)

is emerging in that discussion as one of the best cryptos to buy now, backed by a functioning banking stack and gaining attention as market pressure pushes investors toward projects supported by tangible financial infrastructure.

Record Options Expiry Adds Fuel to a Weak Market

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Roughly 267,000 Bitcoin options expired, worth an estimated $23.6 billion, with a put-call ratio of 0.35 and a max-pain level around $95,000. Alongside this, 1.28 million Ethereum options expired, valued at $3.7 billion, with a put-call ratio near 0.45 and max-pain around $3,100.

Instead of cushioning price action, the expiry hit into weakness. Bitcoin had already been trending lower throughout Q4, and Ethereum had failed to recover key levels ahead of the event. Forced repositioning, hedging, and settlement flows have only added to selling pressure.

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Market sentiment remains fragile, reflected in implied volatility readings hovering around 40% for Bitcoin and 60% for Ethereum. Over half of contracts have already settled, but fresh exposure has now rotated toward March maturities—most of which sit in out-of-the-money calls, signaling an uncertain short-term outlook combined with cautious longer-term optimism.

With liquidity tightening and sentiment defensive, many traders are stepping back from majors and evaluating top cryptos to invest in that are not controlled by daily volatility, like Digitap.

Digitap’s Banking Stack Gains Attention as Risk-Off Dominates

As majors sell off, Digitap is gaining traction for a simple reason: it isn’t relying on speculative hype. The project is built around a functioning online banking ecosystem that integrates fiat accounts, crypto wallets, international transfers, and spending tools into one financial platform.

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Digitap supports over 20 fiat currencies and 100+ cryptocurrencies, with settlement rails running through SEPA, SWIFT, and blockchain networks. This allows users to move money globally, store value, transact, and spend with real-world relevance, regardless of whether Bitcoin is rallying or retracing.

In periods of heightened volatility, projects grounded in usable financial utility naturally stand out. Digitap’s model feels closer to fintech infrastructure than a typical altcoin narrative, and that shift in positioning is one reason it continues surfacing in conversations around credible crypto opportunities.

Momentum has not cooled heading into the new cycle either. Instead of fading with market sentiment, interest around Digitap has been building as more investors seek resilience rather than speculation.

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Structured Presale Pricing Creates Predictable Upside

Investors are also reacting to something majors cannot currently offer: mathematical clarity.

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Digitap’s crypto presale began at $0.0125 and has steadily progressed to roughly $0.0383, with more than $3 million raised so far. Pricing is structured in locked stages—once a round sells out, the token price automatically increases, independent of day-to-day market volatility.

Round 3 is already over halfway sold, and the next price uptick is fixed at $0.0399, creating a narrowing discount window for new buyers. For holders preferring yield rather than trading, staking rewards around 124% APY provide an additional incentive, allowing investors to earn while positioned ahead of the project’s next growth phase.

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The result is a presale narrative with structure, incentives, and definable upside rather than guess-based speculation.

Why Downturns Push Investors Toward Real Utility Projects

Today’s decline reinforces a recurring pattern in crypto: when panic selling hits, capital doesn’t disappear. Traders begin prioritizing platforms with live ecosystems, revenue alignment, and real-world demand instead of tokens that rely purely on sentiment.

Digitap fits naturally into that shift. Its omni-banking model creates everyday financial relevance, while its crypto presale structure provides clarity at a moment when majors are defined by volatility.

As the market recalibrates following the record options expiry, Digitap stands out as a project offering financial infrastructure rather than price-only speculation. It is positioned as one of the more compelling altcoins to buy as risk-off conditions continue.

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

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