In 2026, passive income will become the main focus for crypto investors. The question is no longer just which coin will pump, but which asset pays you more while you wait. This is where the gap between legacy blockchains and new banking altcoins is becoming impossible to ignore.
On one side is Solana ($SOL), trading around $143 and a notable Layer-1 network. On the other side is Digitap ($TAP), a fast-rising omni-banking protocol offering one of the highest staking APYs in the market. For investors seeking high passive income, the difference between these two options is clear.
Solana at $143: Safe Staking, Low Income
Solana remains one of the most reliable networks for its fast, widely used, and trusted developer community. However, when it comes to staking income, SOL is no longer exciting. Its staking APY sits around 6%–7%.
At $143, that means a $1,000 investment earns roughly $60–$70 per year. This return is steady, but small. Even worse, SOL has struggled to move above $150, keeping price growth limited.
Solana staking APY. Source: Atomic wallet
Another issue is how Solana pays staking rewards. New SOL tokens are created to pay stakers. This increases supply and limits how much existing holders can gain unless demand rises fast. For income-focused investors, this turns Solana into a low-risk, low-reward option.
Digitap ($TAP): High Staking APY Built for Passive Income
Digitap is taking a very different approach. What makes this staking model stand out is where the rewards come from. Digitap earns real revenue from card payments, transaction fees, and premium banking services. A portion of this income is shared with $TAP stakers.
For investors looking for high passive income, Digitap clearly outperforms legacy networks.
Staking That Reduces Supply, Not Just Rewards It
Solana staking does not remove much supply from the market. Tokens remain easy to trade, and large holders can sell at any time. This keeps the price movement slow. With Digitap, staking is used to lock tokens away. High APY rewards encourage users to stake and hold their $TAP for longer periods. This reduces the number of tokens available on the open market.
As more users join the platform and use Digitap for everyday banking and cross-border transfers, demand increases while supply stays tight. This creates strong upward pressure over time. Investors earn yield while contributing to price growth, placing Digitap among the best staking coins for passive income.
Why Capital Is Moving from Solana to Digitap ($TAP)
Instead of waiting for Solana to move past $143, many investors are shifting capital into Digitap. The reason is clear: Digitap is still early, and it is already delivering results. The project is pulling real demand, positioning it among the top crypto projects before listing.
Solana remains one of the fastest blockchains in crypto, but speed alone is no longer enough. For everyday users, SOL does not address the issue of using cryptocurrency as a form of payment. Turning SOL into cash still means sending funds to an exchange, waiting for withdrawals, and dealing with banks. This process is slow and frustrating for users who want simple access.
Digitap is built to remove this friction. Its Omni-Banking app lets users hold crypto, convert it, and spend it directly using linked payment cards. There is no need to move funds across platforms or wait for bank transfers. Everything happens in one place, in real time.
This focus on real-world use is why capital is rotating. Investors are moving away from mature networks with limited upside and into banking altcoins that combine passive income, spending utility, and early growth.
Which Is the Best Crypto to Buy for Passive Income?
If your goal is safety and slow returns, Solana at $143 still makes sense. It behaves like a savings account, stable, predictable, and boring. But if your goal is real passive income, Digitap is the stronger banking altcoin in 2026.
The gap between 7% and 124% APY is not small; it is portfolio-changing. Add real utility, consumer banking features, and supply lockups, and the case becomes even stronger.
Solana protects the capital, but Digitap grows it. For investors seeking the best crypto to buy for massive passive income this year, Digitap is the clear upgrade.
