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Empowering 150k users: celebrating a milestone in our journey to shape finance's future together.

Empowering 150k users: celebrating a milestone in our journey to shape finance's future together.

Tap celebrates reaching 150,000 users and reflects on the team effort, community trust and user feedback behind the milestone. The article thanks everyone who helped shape the platform while reaffirming Tap’s commitment to more accessible finance, improved experiences and new tools that help people manage their money with confidence.

Building a Faster, Stronger Tap

Building a Faster, Stronger Tap

After five years of rapid growth, Tap paused visible releases to rebuild the foundations beneath its platform. The engineering work targets faster performance, greater reliability and capacity for a new wave of features. With the core upgrade complete, the company is preparing a staged rollout designed to make future product development stronger and more consistent.

Auto Top-Up is here : Keep Your Card Funded, Automatically.

Auto Top-Up is here : Keep Your Card Funded, Automatically.

Say goodbye to low-balance stress! Auto Top-Up keeps your Tap card always ready, automatically topping up with fiat or crypto. Set it once, and you're good to go!

Important: GBP Deposits Update

Important: GBP Deposits Update

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what is aer
Investing5 min

What is AER?

AER, or Annual Equivalent Rate, is a single yearly figure showing what a savings account pays, with compounding already included. It assumes you leave the money and interest alone for a year and the rate stays put. That makes accounts comparable however often they pay interest. AER is for savings, APR is for borrowing, and APY is the same idea with a US label. But AER only measures interest: fees, withdrawal limits, tax, variable rates, temporary bonuses and conditions all sit outside of it.

JA
JamesOct 2026Read
bitcoin price goes down
Crypto6 min

What makes Bitcoin's price go down?

Bitcoin has no central bank or company able to step in and stabilize its price, so demand shocks hit directly. Whales moving coins to exchanges signal incoming selling, and leveraged positions get forcibly liquidated as prices fall, triggering further selling in a cascading effect. Bitcoin also moves with broader risk sentiment, dropping alongside stocks during market stress. Hacks, regulatory crackdowns, and viral negative sentiment compound these effects, meaning drops are usually driven by multiple factors converging at once.

JA
JamesSep 2026Read
bitcoin price goes up
Crypto9 min

What makes Bitcoin's price go up?

Bitcoin's supply is capped at 21 million coins, so nearly all price movement comes down to demand. Halvings cut new supply on a schedule, institutional buyers like ETFs and Strategy add fresh demand, and falling rates make riskier assets more attractive. Regulation reduces uncertainty for cautious money, while social media hype and short squeezes create rapid feedback loops. Most rallies are several of these forces stacking at once, not a single cause.

JA
JamesSep 2026Read
best time to get into crypto
Crypto4 min

When is the best time to get into crypto

Dollar-cost averaging (DCA) invests fixed amounts at regular intervals regardless of price, reducing volatility impact and emotional decision-making. Instead of timing markets, traders buy weekly/monthly, averaging purchase costs over time. DCA works well in volatile markets, requiring consistency over perfection. DCA suits hands-off investors prioritizing discipline over active trading.

JA
JamesJul 2026Read
lump sum vs dca
Investing4 min

Lump sum vs DCA: The definitive comparison

Lump sum investing deploys all capital immediately, maximizing time in market and historically outperforming DCA two-thirds of the time due to compounding. Dollar-cost averaging (DCA) spreads purchases over regular intervals, reducing timing risk and emotional pressure during volatility. In crypto's amplified volatility, DCA helps manage psychological stress by averaging entry prices across highs and lows. Lump sum offers stronger long-term potential in rising markets; DCA prioritizes consistency and emotional resilience. Hybrid strategies combine both approaches.

JA
JamesJul 2026Read

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New Fed boss, the CLARITY Act: Crypto this week
Market Updates4 min

New Fed boss, the CLARITY Act: Crypto this week

Jerome Powell hands the Fed Chair seat to Kevin Warsh on May 15, a transition that could shift rate and liquidity signals for crypto. The Senate Banking Committee marks up the Digital Asset Market Clarity Act on May 14, potentially resolving the SEC vs. CFTC question that's blocked institutional adoption for years. And 13F filings due Thursday will finally reveal whether the big money was buying or bailing on spot Bitcoin ETFs in Q1.

JA
JamesMay 2026Read
Crypto Yield: A Smarter Way to Grow Your Balance
Personal Finance4 min

Crypto Yield: A Smarter Way to Grow Your Balance

Holding crypto is a smart hedge against inflation — but if your assets are just sitting in a wallet, you're leaving returns on the table. Crypto yield products let you earn on what you already own, without giving up access to your funds. This piece breaks down how yield works, what assets you can earn on, and why Tap Earn — with up to 7% APY, no minimums, and no lock-up periods — is worth a serious look.

JA
JamesMay 2026Read

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