This coin is up 21% in the last 30 days. A nice run for a great project people have forgotten about. But we haven’t. It’s one of the 3 coins we look at today in our popular series of Top Coins you can buy for under $1.
Today, we focus on a major attracting legacy finance, a leader in payments, and an emerging leader in privacy. Let’s check out the top picks under $1!
1) Hedera (HBAR)
Hedera Hashgraph is becoming THE corporate chain. And I know that sounds bad and anti-crypto. But it’s happening and it’s good. It’s good because RWA and cross-border payments are here. And they are driving the industry forward.
Big corporations from legacy banks to big tech trust Hedera and its hashgraph version of a distributed ledger over a blockchain. And they trust Hedera because these big companies are already there on the Governing Council. The Council are the only ones who can run validators on the network. So it’s not a fully public network where anyone can run a validator. We don’t love that. Yet, this is to their benefit with their biggest market of banks and legacy tech. When Dell, Google, and Aberdeen Bank are there along with BitGo and Chainlink, that is clear validation of blockchain tech to solve real-world problems. And that’s what payments and RWA need to see.
At Davos Day 2, @episcini CEO @hashgraph was honored to participate in a fireside chat with @IIF President and CEO @timothydadams at the @Nasdaq and IIF ‘Igniting Innovation in Finance’ event. pic.twitter.com/vYG88xCJnF
— Hedera (@hedera) January 20, 2026
As expected with these types of customers, Hedera is all over Davos and the WEF meetings like in this case when they are sharing the stage with NASDAQ. Add to that improvements like HIP-1249 and running smart contracts on Hedera are faster and more secure than ever before for dApp builders.
⚙️ HIP-1249 introduces a fundamental shift in how Hedera throttles smart contract execution using precision measurement and pricing – enabling dApps to operate at scale with higher throughput while maintaining security and EVM compatibility.https://t.co/CeG4pPA8GP
— Hedera (@hedera) January 15, 2026
In this current season, the wind is at Hedera’s back and momentum is moving forward. A lot of things XRP and its base says they are doing, Hedera is really doing. Like compliant tokenization and working with BIS and SWIFT. Hedera’s moves are starting to pay off. And at 11c and a $4.6 billion market cap, Hedera could easily 10x from here. Even at this huge size they’re at already.
How do you bring real-world assets onchain & stay compliant?
🎥 Hear from Katie Evans, CBDO @SwarmMarkets, as she dives into how Swarm is enabling compliant RWA tokenization, why Hedera was the right network to make it happen, + what the future holds for Swarm x Hedera. pic.twitter.com/1wlyy8xMfe
— Hedera (@hedera) January 5, 2026
2) Polygon (POL)
Next, an old favorite we haven’t talked about in a while. Polygon. Yes, Polygon has dropped like a stone. And yes, it had a terrible 2025 in terms of price performance. But there is more to the story here. Quietly, and recently less quietly, Polygon is making moves to become the payments chain for stablecoins in EVM.
Instant settlement. Global reach. Fewer intermediaries.
Backed by $1.3B+ in onchain USDT liquidity and 6M+ wallets.
This is USDT0 on Polygon. https://t.co/fRgL5AsyMO
— Polygon | POL (@0xPolygon) January 20, 2026
In a few regions including most of Latin America, Polygon does more stablecoin transactions than Tron or Ethereum does. Many of the fintechs there like DolarApp that use blockchain rails use Polygon exclusively. Others use Polygon and often Solana to get stablecoins or what they call “digital dollars” in their market to exchange out of weaker pesos at home.
🤝 @0xPolygon joins the list of options to recharge $USDc in DolarApp @Getdolarapp
🔋 Users can now recharge $USDc on the #Polygon network at no cost.
💸 #DolarApp is a digital dollar account for Latin America, allowing users to easily open an account via their cell phone in… pic.twitter.com/jRpTbkFjzr
— 🟣 𝐏𝐨𝐥𝐲𝐠𝐨𝐧 𝐒𝐩𝐚𝐜𝐞 🟣 (@Polygon_Space1) October 9, 2024
Polygon is using this expertise to grow into areas like compliant stablecoin based payroll with Toku. Then we have this important recent acquisition. Polygon calls it the Open Money Stack. First, it includes becoming a regulated payments platform in the US. That’s a big one.
NEW: Toku selects Polygon to launch compliant, global stablecoin payroll for employers.
Same systems, same compliance standards, but entirely new onchain rails for recurring payments.
With this integration, every Toku user across 100+ countries receives a Polygon wallet by… pic.twitter.com/O8KtZUlDRz
— Polygon | POL (@0xPolygon) January 20, 2026
Followed by the acquisitions of Coinme and Sequence. With these, there are compliant and seamless moves between fiat and crypto for “instant money movement for everyone, everywhere”. That’s the goal of the Open Money Stack. Polygon is making it happen and transforming itself into a payments platform.
BREAKING: Polygon to become U.S. regulated payments platform
We’re acquiring Coinme and Sequence to move all money onchain.
→ Regulated money movement in 48 states
→ Fiat on/off ramps
→ 50,000 fiat-to-crypto locations in the U.S.
→ Easy onboarding with wallet infra
→… pic.twitter.com/lwvLheEc3P— Polygon | POL (@0xPolygon) January 13, 2026
But changes take time for the market to digest and understand. And this is your opportunity. The $POL token is up 22% in the last 30 days so it is showing signs of life. And even with that, $POL is still down 70% over the last 12 months. That gives you an idea of how bad 2025 was for the token.
Yet, it has everything we look for. Real building going on. Real users. A leading position in the important narrative of payments. And the market has not caught up yet. But they will. When they do, $POL will pop. This quiet period is a chance to accumulate if you believe in their payments mission.
3) Beldex
Our last pick for today is privacy chain Beldex. Its goal is completely private interactions on-chain. Privacy has been doing great lately and it’s one of the few sectors that made some $$ last year.
Its use of ring signatures, which Monero uses too but differently, sends are untraceable. And where Beldex really shines is its ecosystem. In it, you can have private chats and messaging with BChat, a privacy browser, and even a decentralized VPN with Belnet.
With anonymized data, no one can tell who you are or what you are doing. This is the best form of privacy, but also one of the most difficult to implement and not get attacked by governments around the world. Verifiable randomness helps here too.
Verifiable randomness strengthens fairness, security, and decentralization at the protocol level. pic.twitter.com/NVX3clahLn
— Beldex.bdx (@BeldexCoin) January 19, 2026
The Beldex $BDX token has taken a little breather and is down 10% in the last 30 days. Since privacy has been on a good run, $BDX did better than 99.9% of tokens in 2025 where it was up by 9%.
$BDX is available on many exchanges including our friends at Weex so go check them out there.
