The recent crash in cryptocurrencies has led to sharp declines, with many individual investors exiting early. Some major holders have taken a different route, buying assets when market conditions have weakened.
In this article, we examine four altcoins that have seen accumulation during the economic downturn. Each token offers a different risk profile and Q4 rest potential.
All entries have merit, but Digitap ($TAP) stands out for seeing massive investment during the crash with its live app, omnibank model, and Visa integration.
- Digitap ($TAP): Live Omnibank with instant payments
- XRP (XRP): A modern payment system for financial institutions.
- Polkadot (DOT): Layer 0 blockchain.
- Polygon Ecosystem Token (POL): A rebranded ecosystem for payments.
1. Digitap ($TAP) – Live omnibank with real payment utilities.
$TAP exhibits several features that may be of interest to large investors. It is a combination of a crypto-fiat app, a Visa-enabled card, and a mechanism where 50% of the platform’s profits go towards writing and staking tokens.
The company’s payments app is currently available in the Apple Store and Google Store and offers instant payments as well as international IBANs for wages and remittances. The project has raised more than $1.2 million and 80 million tokens have been sold so far.
Digitap’s structure could be attractive to holders looking for early exposure ahead of mass adoption. It targets the 1.4 billion unbanked people around the world, as well as the growing segment of remote working professionals seeking low-fee, KYC-free payment models.
If this market gains momentum, the token price could experience parabolic returns similar to payment coins like XRP in its early stages.
Considering these circumstances, $TAP is one of the best altcoins to invest in at the moment. Crypto whales are already taking notice and assigning key positions throughout the fourth quarter. Preselling also has an additional benefit, as prices remain constant throughout major bear markets. While the current price is $0.0268, $TAP will increase to $0.0297 in the next round and eventually be listed at $0.14.
2. XRP (XRP) – Real-time gross settlement ecosystem for institutions
XRP stands out for its mature ecosystem and apparent accumulation by large wallets during the recent economic downturn. Data shows that large amounts of XRP are being withdrawn from exchanges and moved to long-term addresses. Such actions could reduce short-term selling pressure. With a history of institutional use, this token may be relatively low risk compared to smaller altcoins.
In a recovery scenario where capital turns to altcoins, XRP may be well-positioned as it has less speculative risk and fits the profile of those seeking a reasonably high level of trust. The trade-off is that the benefits may be modest compared to very early projects. The time to get into XRP was last year when it was trading below $0.50, and now is not the time to get into it when it is trading near $3.0.
3. Polkadot (DOT) – L0 infrastructure showing midcap strength
Polkadot aims to support multiple blockchains (“parachains”) and enable interoperability. During the crash, some wallet data showed an accumulation trend, which may indicate confidence in the long-term infrastructure role of wallets. As altcoins recover, mid-cap infrastructure projects like DOT could benefit if funds shift from large-cap stocks to more growth-oriented platforms.
Risks such as competition, technology execution, and ecosystem building remain, but DOT offers a balance of maturity and upside potential. Polkadot offers an infrastructure perspective rather than pure speculative hype. DOt is currently trading below $3.0, a long way from its all-time high of around $52. This can be interpreted either way, but many are dissatisfied with the steady downward trajectory from 2021 onwards.
4. Polygon Ecosystem Token (POL) – L2 focused on blockchain money rails
Polygon has repositioned itself towards an ecosystem of zero-knowledge rollup and scaling solutions that are central to the cryptocurrency recovery story. Part of the whale’s interest appears to be evident through accumulation and defensive support zones during the impact phase. However, the price trend over the past year has been lackluster and has been steadily declining since January 1, 2025.
POL belongs to the category of tokens that have the potential to capture the next wave of growth if market sentiment improves. However, it’s hard to see what the market case is for Polygon at this point. It appears to be focused on real-world assets and payments, an area where other blockchains have deep market penetration. The company is still trying to adjust the market story after the recent token rebranding and restructuring, which has left many investors confused.
Strategic Insights: Whale Behavior and Q4 Signals
When major market participants converge during economic downturns, it often reflects a view that the risk-reward ratio is becoming more favorable. The above tokens range from pre-sale ($TAP) to large cap (XRP) to infrastructure mid-cap (DOT, POL). This breadth means covering different risk categories to accommodate a variety of investors.
Digitap is an interesting entry that sets itself apart from virtually all other pre-sales, offering great benefits as well as proven practicality. Users can download and test the Global Payments app today to see how efficiently it works with Visa-compatible POS terminals. How many other pre-sales companies can say the same thing?
This is one of the many reasons why whales saw the value in $TAP during the Q4 recession and sought to reallocate capital to $TAP.
Check out Digitap’s live Visa card project here and discover the future of crypto cards.
Pre-sale https://presale.digitalap.app
Website: https://digitalap.app
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