December 2025’s Top Crypto Picks: Klarna’s USDC Move Supercharges Coinbase, DeepSnitch AI Presale Soars 96%

Klarna just handed Coinbase a massive win. The buy-now-pay-later giant's new partnership to integrate USDC payments isn't just a feature update—it's a direct injection of credibility and utility into the crypto giant's ecosystem. Suddenly, using stablecoins for everyday purchases doesn't feel like a distant future; it feels like next Tuesday.

DeepSnitch AI Steals the Presale Spotlight

While established players get boosts, the presale arena is seeing its own earthquake. DeepSnitch AI, an on-chain surveillance protocol, isn't just selling tokens—it's selling a promise of safety in a Wild West market. Its 96% surge during funding rounds screams one thing: investors are desperately hungry for projects that offer more than just speculative hype. They want utility that addresses crypto's perennial Achilles' heel: security and transparency. It turns out, people will pay a premium to know if the next 'sure thing' is about to rug-pull.

The New Investment Calculus

This creates a fascinating split-screen for December 2025. On one side, you have the infrastructure play: betting on the giants like Coinbase that are weaving crypto into the fabric of traditional finance. On the other, the disruptive innovation play: backing the tools, like AI-driven security, that make the entire ecosystem trustworthy enough for that integration to matter. It's no longer just about which coin goes 'up.' It's about which narrative—utility or security—drives the next wave of adoption. Forget moonshots; the smart money is now looking for the picks and shovels, and the guards for the gold rush. After all, in finance, the real profit often lies not in finding the treasure, but in selling the maps and the insurance.

Klarna taps Coinbase for USDC as stablecoins join high-volume crypto picks

Klarna has partnered with Coinbase to raise short-term institutional funds using USDC, marking a major leap in stablecoin adoption for real-world finance. The Swedish BNPL leader will use Coinbase’s infrastructure to tap crypto-native investors, adding stablecoins to its existing funding options like commercial paper and deposits.

“This is an exciting first step into a new way to raise funding,” said CFO Niclas Neglén, noting that stablecoins could attract an entirely new class of backers.

The move comes as Klarna’s crypto strategy accelerates. It recently launched KlarnaUSD, a stablecoin live on Tempo’s testnet, and hinted at broader consumer-facing crypto tools by 2026.

Coinbase, with over 260 enterprise clients, was chosen for its custody and settlement experience. This development aligns with broader stablecoin momentum driven by the U.S. GENIUS Act, making Klarna’s pivot a strong signal to watch in the landscape of trending digital assets.

DeepSnitch AI (DSNT): AI token positions as top crypto to buy now ahead of January 2026 launch

As Klarna uses Coinbase to tap stablecoins for institutional growth, retail investors are turning to smaller, high-upside tokens like DeepSnitch AI, a presale project building practical AI tools for crypto safety. Unlike vague AI concepts, DeepSnitch AI delivers live utility now: three of its live AI agents are already live, helping users spot rug pulls, monitor wallets, and track whale behavior right inside Telegram.

With crypto scams costing users over $1 billion in 2023, these tools are well overdue. That’s why DeepSnitch AI has rapidly attracted attention. Stage 3 fundraising has now exceeded $870,000, and the current price of $0.02961 marks a 96% surge from its initial $0.01510.

Plus, the limited-time DSNTVIP50 and DSNTVIP100 bonus codes give investors up to 100% more tokens on larger buys. That means $5,000 could become 337,750 tokens. If DSNT hits just $1 post-launch, that’s a potential $337,750 payout, which isn’t even taking into account the staking rewards one can get between now and launch.

As the January 2026 launch fast approaches, DeepSnitch AI is positioning itself as the top crypto to buy now for early-stage, high-growth exposure.

Next up on our list of top cryptos to buy now:

Midnight: Strong Layer-1 growth signals growing institutional confidence as top crypto to buy now talks heat up

Midnight (NIGHT), the privacy-focused blockchain from Cardano founder Charles Hoskinson, has surged over 70.1% in the past week, hitting $0.1106 on December 22nd with a trading volume above $5.6 billion. Now ranked #58 by market cap, Midnight is riding a wave of institutional interest and media attention, especially after hitting a $5 billion valuation milestone.

The project’s use of zero-knowledge proof tech and dual-token architecture is drawing comparisons to early Cardano, with some traders already calling it the “new ADA.” NIGHT’s performance shows how high-volume crypto picks with real-world privacy utility are catching fire, and could keep running.

Bitlight: Volume holds, but momentum fades for trending digital asset

Bitlight (LIGHT) has seen a rough patch this week, dropping 5.5% over the past 7 days despite a strong $114M in 24-hour volume. After previously peaking at $4.80, it’s now trading at $1.05 on December 22nd, down nearly 71% from its all-time high.

While still supported by active CEX listings like Biconomy and KuCoin, Bitlight’s underperformance suggests profit-taking or weakening sentiment. Some traders are reallocating from these mid-cap plays into high-growth trending digital assets like DeepSnitch AI, especially those still in presale phases with stronger upside potential.

What’s the verdict?

Klarna’s stablecoin pivot shows just how quickly institutions are adapting to crypto rails, and how vital early positioning is. But for everyday investors, the biggest upside remains in early-stage tokens with real traction.

With over $870K raised, a 96% price surge, and three AI agents already live, DeepSnitch AI is quickly positioning itself as the top crypto to buy now.

With DSNTVIP50 and DSNTVIP100 bonuses expiring January 1, the window to position early is closing fast.

FAQs

Many investors see DeepSnitch AI as the top crypto to buy now thanks to its live AI tools, growing presale momentum, and potential to 100x post-launch. With Klarna and Coinbase boosting crypto adoption, early-stage utility tokens like DeepSnitch are gaining traction fast.

If you’re searching for the top crypto to buy now under $1, DeepSnitch AI should be on your radar. Priced at just $0.02961, it offers advanced AI security tools and has already surged 96%, making it a standout low-cap contender.

Some investors looking for the top crypto to buy now with massive upside are turning to DeepSnitch AI. With its presale still open, real AI integrations, and launch set for January, it’s among the few projects positioned for exponential gains.