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!
Keep reading
Got some exciting news—Card Auto Top-Up is finally here, and it’s about to make your life way easier.
Say goodbye to those "uh-oh" moments at checkout. This feature automatically tops up your card when your balance gets low—on your terms, no surprises.
You asked, we delivered. We took your feedback and built Auto Top-Up to take the stress out of managing your spending. Your card stays ready to go, so you can focus on more important things (like deciding what to order for lunch).
And here’s the cherry on top 🍒—you can now use your crypto for payments! Pick any of your crypto holdings, top up your card, and start spending—simple as that.
Let’s break it down and show you why Auto Top-Up is about to be your new favorite feature.
No More "Oops, My Balance!" Moments 🙀
We've all been there—your card balance runs low right when you need it most. Auto Top-Up has your back.
Set It and Forget It
Activate it once, and you're good to go. No more scrambling to manually top up your card every time funds run low.
Your Money, Your Rules 💸
Prefer fiat? Crypto? A mix of both? Auto Top-Up lets you choose what works best for you.
Always Ready to Spend
With Auto Top-Up, your card stays funded, so you’re always ready to pay—no interruptions, no stress.
How it works? ✨
With Auto Top-Up, you're in complete control. You decide:
- The minimum balance that triggers an automatic reload amount.
- How much to add when your balance dips below your set threshold.
- Which currency you want to use.
Imagine you're about to make an important purchase, only to realise your card balance is too low. Frustrating, right? Those days are over.
Set your minimum balance to threshold, and Tap will automatically reload your card before you ever hit zero, using your preferred currency.
Ready to make your life easier? Enabling Auto Top-Up is quick and easy:
- Log in to your account.
- Navigate to your card settings.
- Enable Auto Top-Up and customize your preferences.
- Enjoy your card!
Built for peace of mind 😌
Auto Top-Up takes the hassle out of managing your card. Whether you’re travelling, shopping online, or covering everyday expenses, your Tap card will always have your back when you need it.
Ready to get started?
Make sure your Tap app is up to date to start using the new Auto Top-Up feature, and then follow the flow within the Card section.
Got any questions about Auto Top-Up? Our support team is ready to help you get started.
NEWS AND UPDATES

Millennials and Gen Z are revolutionizing the financial landscape, leveraging cryptocurrencies to challenge traditional systems and redefine money itself. Curious about how this shift affects your financial future? Let's uncover the powerful changes they’re driving!
The financial world is undergoing a significant transformation, largely driven by Millennials and Gen Z. These digital-native generations are embracing cryptocurrencies at an unprecedented rate, challenging traditional financial systems and catalysing a shift toward new forms of digital finance, redefining how we perceive and interact with money.
This movement is not just a fleeting trend but a fundamental change that is redefining how we perceive and interact with money.
Digital Natives Leading the Way
Growing up in the digital age, Millennials (born 1981-1996) and Gen Z (born 1997-2012) are inherently comfortable with technology. This familiarity extends to their financial behaviours, with a noticeable inclination toward adopting innovative solutions like cryptocurrencies and blockchain technology.
According to the Grayscale Investments and Harris Poll Report which studied Americans, 44% agree that “crypto and blockchain technology are the future of finance.” Looking more closely at the demographics, Millenials and Gen Z’s expressed the highest levels of enthusiasm, underscoring the pivotal role younger generations play in driving cryptocurrency adoption.
Desire for Financial Empowerment and Inclusion
Economic challenges such as the 2008 financial crisis and the impacts of the COVID-19 pandemic have shaped these generations' perspectives on traditional finance. There's a growing scepticism toward conventional financial institutions and a desire for greater control over personal finances.
The Grayscale-Harris Poll found that 23% of those surveyed believe that cryptocurrencies are a long-term investment, up from 19% the previous year. The report also found that 41% of participants are currently paying more attention to Bitcoin and other crypto assets because of geopolitical tensions, inflation, and a weakening US dollar (up from 34%).
This sentiment fuels engagement with cryptocurrencies as viable investment assets and tools for financial empowerment.
Influence on Market Dynamics
The collective financial influence of Millennials and Gen Z is significant. Their active participation in cryptocurrency markets contributes to increased liquidity and shapes market trends. Social media platforms like Reddit, Twitter, and TikTok have become pivotal in disseminating information and investment strategies among these generations.
The rise of cryptocurrencies like Dogecoin and Shiba Inu demonstrates how younger investors leverage online communities to impact financial markets2. This phenomenon shows their ability to mobilise and drive market movements, challenging traditional investment paradigms.
Embracing Innovation and Technological Advancement
Cryptocurrencies represent more than just investment opportunities; they embody technological innovation that resonates with Millennials and Gen Z. Blockchain technology and digital assets are areas where these generations are not only users but also contributors.
A 2021 survey by Pew Research Center indicated that 31% of Americans aged 18-29 have invested in, traded, or used cryptocurrency, compared to just 8% of those aged 50-64. This significant disparity highlights the generational embrace of digital assets and the technologies underpinning them.
Impact on Traditional Financial Institutions
The shift toward cryptocurrencies is prompting traditional financial institutions to adapt. Banks, investment firms, and payment platforms are increasingly integrating crypto services to meet the evolving demands of younger clients.
Companies like PayPal and Square have expanded their cryptocurrency offerings, allowing users to buy, hold, and sell cryptocurrencies directly from their platforms. These developments signify the financial industry's recognition of the growing importance of cryptocurrencies.
Challenges and Considerations
While enthusiasm is high, challenges such as regulatory uncertainties, security concerns, and market volatility remain. However, Millennials and Gen Z appear willing to navigate these risks, drawn by the potential rewards and alignment with their values of innovation and financial autonomy.
In summary
Millennials and Gen Z are redefining the financial landscape, with their embrace of cryptocurrencies serving as a catalyst for broader change. This isn't just about alternative investments; it's a shift in how younger generations view financial systems and their place within them. Their drive for autonomy, transparency, and technological integration is pushing traditional institutions to innovate rapidly.
This generational influence extends beyond personal finance, potentially reshaping global economic structures. For industry players, from established banks to fintech startups, adapting to these changing preferences isn't just advantageous—it's essential for long-term viability.
As cryptocurrencies and blockchain technology mature, we're likely to see further transformations in how society interacts with money. Those who can navigate this evolving landscape, balancing innovation with stability, will be well-positioned for the future of finance. It's a complex shift, but one that offers exciting possibilities for a more inclusive and technologically advanced financial ecosystem. The financial world is changing, and it's the young guns who are calling the shots.

2022 was a rollercoaster for crypto investors. Explore the reasons behind the crashes of Terra and Celsius and what the future holds.
There is seldom a dull moment in the cryptosphere. In a matter of weeks, crypto winters can turn into bull runs, high-profile celebrities can send the price of a cryptocurrency to an all-time high and big networks can go from hero to bankruptcy. While we await the next bull run, let’s dissect some of the bigger moments of this year so far.
In a matter of weeks, we saw two major cryptocurrencies drop significantly in value and later declare themselves bankrupt. Not only did these companies lose millions, but millions of investors lost immense amounts of money.
As some media sources use these stories as an opportunity to spread FUD (fear, uncertainty and doubt) about the crypto industry, in this article we’ll look at what affected these particular networks. This is not the “norm” when it comes to investing in digital assets, these are cases of not doing enough thorough research.
The Downfall of Terra
Terra is a blockchain platform that offered several cryptocurrencies (mostly stablecoins), most notably the stablecoin TerraUST (UST) and Terra (LUNA). LUNA tokens played an integral role in maintaining the price of the algorithmic stablecoins, incentivizing trading between LUNA and stablecoins should they need to increase or decrease a stablecoin's supply.
In December 2021, following a token burn, LUNA entered the top 10 biggest cryptocurrencies by market cap trading at $75. LUNA’s success was tied to that of UST. In April, UST overtook Binance USD to become the third-largest stablecoin in the cryptocurrency market. The Anchor protocol of the Terra ecosystem, which offers returns as high as 20% APY, aided UST's rise.
In May of 2022, UST unpegged from its $1 position, sending LUNA into a tailspin losing 99.9% of its value in a matter of days. The coin’s market cap dipped from $41b to $6.6m. The demise of the platform led to $60 billion of investors’ money going down the drain. So, what went wrong?
After a large sell-off of UST in early May, the stablecoin began to depeg. This caused a further mass sell-off of the algorithmic cryptocurrency causing mass amounts of LUNA to be minted to maintain its price equilibrium. This sent LUNA's circulating supply sky-rocketing, in turn crashing the price of the once top ten coin. The circulating supply of LUNA went from around 345 million to 3.47 billion in a matter of days.
As investors scrambled to try to liquidate their assets, the damage was already done. The Luna Foundation Guard (LFG) had been acquiring large quantities of Bitcoin as a safeguard against the UST stablecoin unpegging, however, this did not prove to help as the network's tokens had already entered what's known as a "death spiral".
The LFG and Do Kwon reported bought $3 billion worth of Bitcoin and stored it in reserves should they need to use them for an unpegging. When the time came they claimed to have sold around 80,000 BTC, causing havoc on the rest of the market. Following these actions, the Bitcoin price dipped below $30,000, and continued to do so.
After losing nearly 100% of its value, the Terra blockchain halted services and went into overdrive to try and rectify the situation. As large exchanges started delisting both coins one by one, Terra’s founder Do Kwon released a recovery plan. While this had an effect on the coin’s price, rising to $4.46, it soon ran its course sending LUNA’s price below $1 again.
In a final attempt to rectify the situation, Do Kwon alongside co-founder Daniel Shin hard forked the Terra blockchain to create a new version, renaming the original blockchain Terra Classic. The platform then released a new coin, Luna 2.0, while the original LUNA coin was renamed LUNC.
Reviewing the situation in hindsight, a Web3 investor and venture partner at Farmer Fund, Stuti Pandey said, “What the Luna ecosystem did was they had a very aggressive and optimistic monetary policy that pretty much worked when markets were going very well, but they had a very weak monetary policy for when we encounter bear markets.”
Then Celsius Froze Over
In mid-June 2022, Celsius, a blockchain-based platform that specializes in crypto loans and borrowing, halted all withdrawals citing “extreme market conditions”. Following a month of turmoil, Celsius officially announced that it had filed for Chapter 11 bankruptcy in July.
Just a year earlier, in June 2021, the platform’s native token CEL had reached its all-time high of $8.02 with a market cap of $1.9 billion. Following the platform’s upheaval, at the time of writing CEL was trading at $1.18 with a market cap of $281 million.
According to court filings, when the platform filed for bankruptcy it was $1.2 billion in the red with $5.5 billion in liabilities, of which $4.7 billion is customer holdings. A far cry from its reign as one of the most successful DeFi (decentralized finance) platforms. What led to this demise?
Last year, the platform faced its first minor bump in the road when the US states of Texas, Alabama and New Jersey took legal action against the company for allegedly selling unregistered securities to users.
Then, in April 2022, following pressure from regulators, Celsius also stopped providing interest-bearing accounts to non-accredited investors. While against the nature of DeFi, the company was left with little choice.
Things then hit the fan in May of this year. The collapse of LUNA and UST caused significant damage to investor confidence across the entire cryptocurrency market. This is believed to have accelerated the start of a "crypto winter" and led to an industry-wide sell-off that produced a bank-run-style series of withdrawals by Celsius users. In bankruptcy documents, Celsius attributes its liquidity problems to the "domino effect" of LUNA's failure.
According to the company, Celsius had 1.7 million users and $11.7 billion worth of assets under management (AUM) and had made over $8 billion in loans alongside its very high APY (annual percentage yields) of 17%.
These loans, however, came to a grinding halt when the platform froze all its clients' assets and announced a company-wide freeze on withdrawals in early June.
Celsius released a statement stating: “Due to extreme market conditions, today we are announcing that Celsius is pausing all withdrawals, Swap, and transfers between accounts. We are taking this necessary action for the benefit of our entire community to stabilize liquidity and operations while we take steps to preserve and protect assets.”
Two weeks later the platform hired restructuring expert Alvarez & Marsal to assist with alleviating the damage caused by June’s uncertainty and the mounting liquidity issues.
As of mid-July, after paying off several loans, Celsius filed for Chapter 11 bankruptcy protection in the U.S. Bankruptcy Court for the Southern District of New York.
Final Thoughts
The biggest takeaway from these examples above it to always do your own research when it comes to investing in cryptocurrency or cryptocurrency platforms. Never chase “get-rich-quick” schemes, instead do your due diligence and read the fine print. If a platform is offering 20% APY, be sure to get to the bottom of how they intend to provide this. If there’s no transparency, there should be no investment.
The cryptocurrency market has been faced with copious amounts of stressors in recent months, from the demise of these networks mentioned above (alongside others like Voyager and Three Anchor Capital) to a market-wide liquidity crunch, to the recent inflation rate increases around the globe. Not to mention the fearful anticipation of regulatory changes.
If there’s one thing we know about cryptocurrencies it’s that the market as a whole is incredibly resilient. In recent weeks, prices of top cryptocurrencies like Bitcoin and Ethereum have slowly started to increase, causing speculation that we might finally be making our way out of the crypto winter. While this won’t be an overnight endeavour, the sentiment in the market remains hopeful.
Unveiling the future of money: Explore the game-changing Central Bank Digital Currencies and their potential impact on finance.
Since the debut of Bitcoin in 2009, central banks have been living in fear of the disruptive technology that is cryptocurrency. Distributed ledger technology has revolutionized the digital world and has continued to challenge the corruption of central bank morals.
Financial institutions can’t beat or control cryptocurrency, so they are joining them in creating digital currencies. Governments have now been embracing digital currencies in the form of CBDCs, otherwise known as central bank digital currencies.
Central bank digital currencies are digital tokens, similar to cryptocurrency, issued by a central bank. They are pegged to the value of that country's fiat currency, acting as a digital currency version of the national currency. CBDCs are created and regulated by a country's central bank and monetary authorities.
A central bank digital currency is generally created for a sense of financial inclusion and to improve the application of monetary and fiscal policy. Central banks adopting currency in digital form presents great benefits for the federal reserve system as well as citizens, but there are some cons lurking behind the central bank digital currency facade.
Types of central bank digital currencies
While the concept of a central bank digital currency is quite easy to understand, there are layers to central bank money in its digital form. Before we take a deep dive into the possibilities presented by the central banks and their digital money, we will break down the different types of central bank digital currencies.
Wholesale CBDCs
Wholesale central bank digital currencies are targeted at financial institutions, whereby reserve balances are held within a central bank. This integration assists the financial system and institutions in improving payment systems and security payment efficiency.
This is much simpler than rolling out a central bank digital currency to the whole country but provides support for large businesses when they want to transfer money. These digital payments would also act as a digital ledger and aid in the avoidance of money laundering.
Retail CBDCs
A retail central bank digital currency refers to government-backed digital assets used between businesses and customers. This type of central bank digital currency is aimed at traditional currency, acting as a digital version of physical currency. These digital assets would allow retail payment systems, direct P2P CBDC transactions, as well as international settlements among businesses. It would be similar to having a bank account, where you could digitally transfer money through commercial banks, except the currency would be in the form of a digital yuan or euro, rather than the federal reserve of currency held by central banks.
Pros and cons of a central bank digital currency (CBDC)
Central banks are looking for ways to keep their money in the country, as opposed to it being spent on buying cryptocurrencies, thus losing it to a global market. As digital currencies become more popular, each central bank must decide whether they want to fight it or profit from the potential. Regardless of adoption, central banks creating their own digital currencies comes with benefits and disadvantages to users that you need to know.
Pros of central bank digital currency (CBDC)
- Cross border payments
- Track money laundering activity
- Secure international monetary fund
- Reduces risk of commercial bank collapse
- Cheaper
- More secure
- Promotes financial inclusion
Cons of central bank digital currency (CDBC)
- Central banks have complete control
- No anonymity of digital currency transfers
- Cybersecurity issues
- Price reliant on fiat currency equivalent
- Physical money may be eliminated
- Ban of distributed ledger technology and cryptocurrency
Central bank digital currency conclusion
Central bank money in an electronic form has been a big debate in the blockchain technology space, with so many countries considering the possibility. The European Central Bank, as well as other central banks, have been considering the possibility of central bank digital currencies as a means of improving the financial system. The Chinese government is in the midst of testing out their e-CNY, which some are calling the digital yuan. They have seen great success so far, but only after completely banning Bitcoin trading.
There is a lot of good that can come from CBDCs, but the benefits are mostly for the federal reserve system and central banks. Bank-account holders and citizens may have their privacy compromised and their investment options limited if the world adopts CBDCs.
It's important to remember that central bank digital currencies are not cryptocurrencies. They do not compete with cryptocurrencies and the benefits of blockchain technology. Their limited use cases can only be applied when reinforced by a financial system authority. Only time will tell if CBDCs will succeed, but right now you can appreciate the advantages brought to you by crypto.

You might have heard of the "Travel Rule" before, but do you know what it actually mean? Let us dive into it for you.
What is the "Travel Rule"?
You might have heard of the "Travel Rule" before, but do you know what it actually mean? Well, let me break it down for you. The Travel Rule, also known as FATF Recommendation 16, is a set of measures aimed at combating money laundering and terrorism financing through financial transactions.
So, why is it called the Travel Rule? It's because the personal data of the transacting parties "travels" with the transfers, making it easier for authorities to monitor and regulate these transactions. See, now it all makes sense!
The Travel Rule applies to financial institutions engaged in virtual asset transfers and crypto companies, collectively referred to as virtual asset service providers (VASPs). These VASPs have to obtain and share "required and accurate originator information and required beneficiary information" with counterparty VASPs or financial institutions during or before the transaction.
To make things more practical, the FATF recommends that countries adopt a de minimis threshold of 1,000 USD/EUR for virtual asset transfers. This means that transactions below this threshold would have fewer requirements compared to those exceeding it.
For transfers of Virtual Assets falling below the de minimis threshold, Virtual Asset Service Providers (VASPs) are required to gather:
- The identities of the sender (originator) and receiver (beneficiary).
- Either the wallet address associated with each transaction involving Virtual Assets (VAs) or a unique reference number assigned to the transaction.
- Verification of this gathered data is not obligatory, unless any suspicious circumstances concerning money laundering or terrorism financing arise. In such instances, it becomes essential to verify customer information.
Conversely, for transfers surpassing the de minimis threshold, VASPs are obligated to collect more extensive particulars, encompassing:
- Full name of the sender (originator).
- The account number employed by the sender (originator) for processing the transaction, such as a wallet address.
- The physical (geographical) address of the sender (originator), national identity number, a customer identification number that uniquely distinguishes the sender to the ordering institution, or details like date and place of birth.
- Name of the receiver (beneficiary).
- Account number of the receiver (beneficiary) utilized for transaction processing, similar to a wallet address.
By following these guidelines, virtual asset service providers can contribute to a safer and more transparent virtual asset ecosystem while complying with international regulations on anti-money laundering and countering the financing of terrorism. It's all about ensuring the integrity of financial transactions and safeguarding against illicit activities.
Implementation of the Travel Rule in the United Kingdom
A notable shift is anticipated in the United Kingdom's oversight of the virtual asset sector, commencing September 1, 2023.
This seminal development comes in the form of the Travel Rule, which falls under Part 7A of the Money Laundering Regulations 2017. Designed to combat money laundering and terrorist financing within the virtual asset industry, this new regulation expands the information-sharing requirements for wire transfers to encompass virtual asset transfers.
The HM Treasury of the UK has meticulously customized the provisions of the revised Wire Transfer Regulations to cater to the unique demands of the virtual asset sector. This underscores the government's unwavering commitment to fostering a secure and transparent financial ecosystem. Concurrently, it signals their resolve to enable the virtual asset industry to flourish.
The Travel Rule itself originates from the updated version of the Financial Action Task Force's recommendation on information-sharing requirements for wire transfers. By extending these recommendations to cover virtual asset transfers, the UK aspires to significantly mitigate the risk of illicit activities within the sector.
Undoubtedly, the Travel Rule heralds a landmark stride forward in regulating the virtual asset industry in the UK. By extending the ambit of information-sharing requirements and fortifying oversight over virtual asset firms
Implementation of the Travel Rule in the European Union
Prepare yourself, as a new regulation called the Travel Rule is set to be introduced in the world of virtual assets within the European Union. Effective from December 30, 2024, this rule will take effect precisely 18 months after the initial enforcement of the Transfer of Funds Regulation.
Let's delve into the details of the Travel Rule. When it comes to information requirements, there will be no distinction made between cross-border transfers and transfers within the EU. The revised Transfer of Funds regulation recognizes all virtual asset transfers as cross-border, acknowledging the borderless nature and global reach of such transactions and services.
Now, let's discuss compliance obligations. To ensure adherence to these regulations, European Crypto Asset Service Providers (CASPs) must comply with certain measures. For transactions exceeding 1,000 EUR with self-hosted wallets, CASPs are obligated to collect crucial originator and beneficiary information. Additionally, CASPs are required to fulfill additional wallet verification obligations.
The implementation of these measures within the European Union aims to enhance transparency and mitigate potential risks associated with virtual asset transfers. For individuals involved in this domain, it is of utmost importance to stay informed and adhere to these new guidelines in order to ensure compliance.
What does the travel rules means to me as user?
As a user in the virtual asset industry, the implementation of the Travel Rule brings some significant changes that are designed to enhance the security and transparency of financial transactions. This means that when you engage in virtual asset transfers, certain personal information will now be shared between the involved parties. While this might sound intrusive at first, it plays a crucial role in combating fraud, money laundering, and terrorist financing.
The Travel Rule aims to create a safer environment for individuals like you by reducing the risks associated with illicit activities. This means that you can have greater confidence in the legitimacy of the virtual asset transactions you engage in. The regulation aims to weed out illicit activities and promote a level playing field for legitimate users. This fosters trust and confidence among users, attracting more participants and further driving the growth and development of the industry.
However, it's important to note that complying with this rule may require you to provide additional information to virtual asset service providers. Your privacy and the protection of your personal data remain paramount, and service providers are bound by strict regulations to ensure the security of your information.
In summary, the Travel Rule is a positive development for digital asset users like yourself, as it contributes to a more secure and trustworthy virtual asset industry.
Unlocking Compliance and Seamless Experiences: Tap's Proactive Approach to Upcoming Regulations
Tap is fully committed to upholding regulatory compliance, while also prioritizing a seamless and enjoyable customer experience. In order to achieve this delicate balance, Tap has proactively sought out partnerships with trusted solution providers and is actively engaged in industry working groups. By collaborating with experts in the field, Tap ensures it remains on the cutting edge of best practices and innovative solutions.
These efforts not only demonstrate Tap's dedication to compliance, but also contribute to creating a secure and transparent environment for its users. By staying ahead of the curve, Tap can foster trust and confidence in the cryptocurrency ecosystem, reassuring customers that their financial transactions are safe and protected.
But Tap's commitment to compliance doesn't mean sacrificing user experience. On the contrary, Tap understands the importance of providing a seamless journey for its customers. This means that while regulatory requirements may be changing, Tap is working diligently to ensure that users can continue to enjoy a smooth and hassle-free experience.
By combining a proactive approach to compliance with a determination to maintain user satisfaction, Tap is setting itself apart as a trusted leader in the financial technology industry. So rest assured, as Tap evolves in response to new regulations, your experience as a customer will remain top-notch and worry-free.
LATEST ARTICLE

Got some exciting news—Card Auto Top-Up is finally here, and it’s about to make your life way easier.
Say goodbye to those "uh-oh" moments at checkout. This feature automatically tops up your card when your balance gets low—on your terms, no surprises.
You asked, we delivered. We took your feedback and built Auto Top-Up to take the stress out of managing your spending. Your card stays ready to go, so you can focus on more important things (like deciding what to order for lunch).
And here’s the cherry on top 🍒—you can now use your crypto for payments! Pick any of your crypto holdings, top up your card, and start spending—simple as that.
Let’s break it down and show you why Auto Top-Up is about to be your new favorite feature.
No More "Oops, My Balance!" Moments 🙀
We've all been there—your card balance runs low right when you need it most. Auto Top-Up has your back.
Set It and Forget It
Activate it once, and you're good to go. No more scrambling to manually top up your card every time funds run low.
Your Money, Your Rules 💸
Prefer fiat? Crypto? A mix of both? Auto Top-Up lets you choose what works best for you.
Always Ready to Spend
With Auto Top-Up, your card stays funded, so you’re always ready to pay—no interruptions, no stress.
How it works? ✨
With Auto Top-Up, you're in complete control. You decide:
- The minimum balance that triggers an automatic reload amount.
- How much to add when your balance dips below your set threshold.
- Which currency you want to use.
Imagine you're about to make an important purchase, only to realise your card balance is too low. Frustrating, right? Those days are over.
Set your minimum balance to threshold, and Tap will automatically reload your card before you ever hit zero, using your preferred currency.
Ready to make your life easier? Enabling Auto Top-Up is quick and easy:
- Log in to your account.
- Navigate to your card settings.
- Enable Auto Top-Up and customize your preferences.
- Enjoy your card!
Built for peace of mind 😌
Auto Top-Up takes the hassle out of managing your card. Whether you’re travelling, shopping online, or covering everyday expenses, your Tap card will always have your back when you need it.
Ready to get started?
Make sure your Tap app is up to date to start using the new Auto Top-Up feature, and then follow the flow within the Card section.
Got any questions about Auto Top-Up? Our support team is ready to help you get started.
%201.webp)
Ever wondered how companies launch those shiny credit cards with their logos on them? Let's dive into the world of card programs and break down everything you need to know to launch one successfully.
What's a card program, anyway?
Think of a card program as your business's very own payment ecosystem. It's like having your own mini-bank, but without the vault, technical infrastructure and security guards. Companies use card programs to offer payment solutions to their customers or employees, whether a store credit card, a corporate expense card, or even a digital wallet.
As you’ve probably figured, the financial world is quickly moving away from cash, and card payments are becoming the norm. In fact, they're now as essential to business as having a product, website or social media presence.
Why should your business launch a card program?
Launching a card program isn't just about joining the cool kids' club – it's about creating real business value and heightened exposure. Here's what you can achieve:
Keep your customers coming back
Remember those loyalty cards from your favourite coffee shop? Card programs take that concept to the next level. When customers have your card in their wallet, they're more likely to choose your business over competitors. Plus, every time they pull out that card, they (and everyone else around) see your brand.
Show me the money!
Card programs open up exciting new revenue streams. You can earn from:
- Interest charges (if applicable)
- Transaction fees from merchants
- Annual membership fees
- Premium features and services
- Insights and information on spending habits
Know your customers better
Want to know what your customers really want? Their spending patterns tell the story. Card programs give you valuable insights into customer behaviour, helping you make smarter business decisions.
Understanding the card program ecosystem
Let's break down the key players in this game:
The dream team
Picture a football team where everyone has a crucial role:
- Card networks (like Visa and Mastercard) are the referees, setting the rules
- Card issuers (like Tap) are the coaches, making sure everything runs smoothly
- Processors (overseen by Tap) are the players, handling all the transactions on the field
Open vs. closed loop: what's the difference?
Open-loop and closed-loop cards differ in where they can be used and who processes the transactions. Let’s break this down:
Open-loop cards:
These cards are branded with major payment networks like Visa, Mastercard, or American Express, and are accepted almost anywhere the network is supported, both domestically and internationally.
Examples: Traditional debit or credit cards, prepaid cards branded by major networks.
Pros: Wide acceptance and flexibility.
Cons: May come with fees for international use or transactions.
Closed-loop cards:
Cards issued by a specific retailer or service provider for exclusive use within their ecosystem. These cards are limited to the issuing brand or select partners.
Examples: Store gift cards (like Starbucks or Amazon), fuel cards for specific gas stations.
Pros: Often come with brand-specific rewards or discounts.
Cons: Limited to specific merchants; less flexibility.
Challenges that may arise
Let's be honest – launching a card program isn't all smooth sailing. Here are the hurdles you'll need to jump:
The regulatory maze
Remember trying to read those terms and conditions? Well, card program regulations are even more complex. You'll need to navigate through compliance requirements that would make your head spin.
Security
Fraud is like that uninvited guest at a party – it shows up when you least expect it. You'll need robust security measures to protect your program and your customers.
We’ve designed our card program to handle these niggles, so that you can bypass the challenges and reap the rewards. With a carefully curated experience, we take care of the setup, programming and hardware so that you can focus on the benefits and users.
Closing thoughts
Launching a card program is like building a house – it takes careful planning, the right tools, and expert help. But when done right, it can become a powerful engine for business growth.
Contact us to get started on building a card program tailored to your company. After all, the future of payments is digital, and there's never been a better time to get started.

Onyxcoin (XCN), previously known as Chain (CHN), marks a major leap in blockchain infrastructure technology. Since its rebranding in March 2022, the protocol has gained traction as a leading enterprise blockchain platform. In a nutshell: it provides cloud-based solutions that enable companies to create and deploy financial services through private blockchain networks. Let’s explore this.
What is XCN?
XCN is the cryptocurrency powering the Onyx Protocol, offering both utility and governance, while the Onyx Protocol is designed to tackle key challenges in financial settlements.
The Onyx Protocol is a versatile blockchain infrastructure designed to connect independent networks under shared standards, ensuring smooth interoperability. By separating asset control from ledger synchronisation, it delivers both security and flexibility to users.
Participants can issue assets using customisable "issuance programs," managed by "control programs" that enable the creation of advanced smart contracts. Network security is upheld by a federation of "block signers" to prevent forks, while a single "block generator" ensures efficient block creation.
Governance is managed through the Onyx DAO on Ethereum, with Onyxcoin (XCN) acting as the ecosystem's utility and governance token. XCN powers premium services, funds network upgrades, and enables token holders to influence the protocol’s direction.
Founded in 2014 with support from leading venture capital firms and partnerships with institutions like Nasdaq and Citigroup, the platform has evolved into an independent, reliable and advanced blockchain solution.
Key Features:
- Cloud-based blockchain infrastructure for enterprises
- Customisable tools for asset creation
- Smart contracts powered by control programs
- Integrated DAO governance for user participation
- Premium and standard service tiers
Technical and fundamental analysis
Market fundamentals
XCN’s tokenomics include a maximum supply of 48.47 billion tokens, with around 65% currently in circulation. Strategic allocations include 15 billion tokens for the foundation and 10 billion for the DAO, with monthly releases of 200,000,000 XCN per month, to maintain a controlled market supply.
Technical framework
The protocol’s architecture enables:
- Multiple independent blockchain networks operating simultaneously
- Secure asset control based on the principle of least authority
- Block validation by designated signers
- Efficient block creation via a single block generator
Trading volumes, price volatility, and sentiment indices for XCN
Trading volume
The current trading volumes of XCN provide key insights into market activity and investor interest. Steady or increasing volumes typically indicate sustained engagement, while sharp fluctuations could signify speculative trading or reaction to news events. For XCN, trading activity has shown variability, with spikes aligning with announcements or broader market trends.
Price volatility
Price volatility is another critical metric for understanding XCN's performance. While moderate volatility can attract traders seeking profit opportunities, excessive swings may deter risk-averse investors. Recently, XCN has experienced a mix of stability and rapid price shifts, largely influenced by macroeconomic factors and evolving sentiment within the cryptocurrency market.
Sentiment indices
Sentiment indices, derived from social media trends, news coverage, and community forums, offer a snapshot of market perception. Positive sentiment has often correlated with upgrades to the Onyx Protocol or advancements in the ecosystem, while negative sentiment has emerged during periods of uncertainty or market-wide downturns.
Together, these factors—trading volumes, price volatility, and sentiment—illustrate the complex dynamics shaping XCN’s market presence and potential for return on investment. For investors and traders, monitoring these indicators can provide valuable insights into potential opportunities and risks, though they should be evaluated alongside broader market conditions and fundamental analyses.
Short-term price predictions (1-3 years)
In the following sections, we’ll take a look at both short-term and long-term price predictions, considering both bullish and bearish market scenarios. For reference, at the time of writing XCN was trading at $0.01236 (see later price here).
Bullish scenario
Analysis suggests that several positive catalysts could drive XCN's growth in the near term:
- - Enterprise adoption
- Predicted range: $0.005 - $0.01
- Key driver: Increased business partnerships and platform integration
- Potential catalyst: Growth in private blockchain network adoption
- - Technological development
- Predicted range: $0.006 - $0.012
- Focus areas: Transaction speed improvements and fee optimisation
- Impact: Enhanced platform capabilities could attract more users
- - Institutional investment
- Predicted range: $0.007 - $0.015
- Driver: Growing institutional interest in cryptocurrency
- Catalyst: Potential market expansion and improved regulatory clarity
Bearish scenario
On the flip side, here are the bearish predictions:
- - Regulatory concerns
- Predicted range: $0.001 - $0.0015
- Risk factor: Increased government oversight
- Impact: Possible operational limitations
- - Competitive pressures
- Predicted range: $0.0012 - $0.0017
- Challenge: Market saturation from similar projects
- Risk: Potential loss of market share
Long-term price predictions (3-5 years)
Bullish outlook
Long-term positive scenarios suggest significant growth potential:
- - Enterprise integration
- Predicted range: $0.02 - $0.05
- Driver: Widespread adoption of Onyx Protocol's technology
- Catalyst: Integration into mainstream financial systems
- - Technology evolution
- Predicted range: $0.03 - $0.06
- Focus: Platform maturity and ecosystem development
- Impact: Enhanced competitive advantage through innovation
- - Market growth
- Predicted range: $0.04 - $0.08
- Driver: Overall cryptocurrency market expansion
- Catalyst: Increased mainstream acceptance and use
Bearish outlook
However, long-term challenges could present significant headwinds:
- Market sentiment
- Predicted range: $0.0005 - $0.001
- Risk factor: Extended crypto market downturn
- Impact: Reduced investor confidence
- - Competition
- Predicted range: $0.0008 - $0.0015
- Challenge: Emergence of superior technological solutions
- Risk: Diminished market relevance
These predictions account for various market scenarios and factors, keeping in mind the natural volatility of crypto markets. The ranges provided highlight potential outcomes depending on market trends and the progress of the project. Please note that this content is speculative and not financial advice - it should not be construed as such.
Conclusion
Onyxcoin (XCN) presents a range of possible price trajectories, from potential growth through enterprise adoption and technological advancement to more conservative estimates reflecting market challenges. While bullish predictions suggest possible growth to $0.08 by 2030, bearish scenarios indicate potential downside risks.
As with any investment in digital assets, thorough research is essential. Readers should carefully evaluate their risk tolerance and consult financial advisors before making investment decisions, as market conditions can change rapidly in the volatile crypto sector. Keep an eye on the XCN page within the Tap app to keep updated on price movements.
%20_.webp)
The cryptocurrency market can be a maze of projects, platforms, and partnerships. Among these, XCN (Onyxcoin) has emerged as a notable digital asset that often sparks discussion – and sometimes confusion – in the crypto community.
This guide cuts through the complexity to deliver a clear picture of XCN. We'll examine what makes this cryptocurrency unique, tackle common misconceptions about its ownership (particularly regarding JP Morgan), and explore its potential value to the greater blockchain ecosystem.
Whether you're researching XCN for investment purposes or simply want to understand its role in the crypto ecosystem, this article will provide you with straightforward, accurate information to guide your decisions.
What Is Onyx Protocol (XCN)?
Onyx Protocol is a cloud-based blockchain infrastructure enabling companies to create private blockchain networks for enhanced financial services. Unlike public blockchains, Onyx provides a closed, secure environment for issuing, storing, and transferring digital assets, minimising risks like security breaches and transaction delays.
It caters to enterprise needs through products such as the Remote Procedure Call API (RPC/API) and Sequence, a blockchain-based accounting service. These services offer both standard and premium tiers, with premium features accessible via XCN payments.
The protocol’s core design addresses key financial settlement challenges, including reducing fees, increasing transparency, and streamlining transaction settlements, and uses innovative features like "issuance programs" for asset creation and "control programs" for managing assets securely. Block signers safeguard the network, while block generators ensure efficient block creation.
The Onyx Protocol is governed by a Decentralised Autonomous Organisation (DAO), where XCN token holders participate in decision-making by staking their tokens. This means that XCN acts as both a utility and governance token, offering voting rights, discounts on premium services, and a means to pay for Onyx Cloud and Sequence fees.
Founded in 2014 by venture capitalist Adam Ludwin, Onyx was initially backed by major firms like Nasdaq and Citigroup, raising over $40 million. After being acquired by Stellar’s Lightyear Corp. in 2018, it later became a privately held corporation in 2021.
With a maximum supply of 48.4 billion tokens, XCN powers the ecosystem and incentivises community-driven growth through its transparent, decentralised governance model.
XCN’s infrastructure
XCN's technological foundation rests on three main pillars:
- A scalable proof-of-stake blockchain that prioritises transaction speed and energy efficiency
- Smart contract functionality that enables complex financial operations and decentralised applications
- Cross-chain compatibility for seamless interaction with other blockchain networks
Although the platform uses advanced security protocols it still manages to maintain user accessibility, making it suitable for both individual and institutional users.
How to purchase and stake XCN
XCN tokens can be bought through several major cryptocurrency exchanges, including Tap. In order to participate in the staking process, users will need to acquire the tokens and complete the following:
- Set up a compatible wallet that supports XCN staking
- Participate in the staking program through the official platform
- Earn rewards based on the amount staked and duration of participation
The minimum staking requirements and reward rates are designed to encourage long-term holder participation. For more detailed explanations please see the official project’s instructions.
Leadership and development behind XCN
The Onyx blockchain network was founded in 2014 by venture capitalist Adam Ludwin with support from major venture capital firms, aiming to modernise financial systems. The team launched Chain Core after raising over $40 million through strategic partnerships with Nasdaq, Orange, Capital One, and Citigroup.
In 2018, the platform was sold to Lightyear Corp., part of the Stellar Development Foundation, before transitioning in 2021 to operate as a privately held corporation with a new board, shareholders, and offices. In March 2022, CHN was rebranded to XCN spurring positive price growth.
Today, the XCN project is led by a team of seasoned blockchain developers and fintech experts specialising in smart contracts, protocol optimisation, and financial infrastructure. They are known to actively engage with the community via Discord, Twitter, and governance forums, maintaining transparency through roadmaps, progress reports, and AMAs.
Alongside the strong development team is a decentralised governance model, allowing XCN token holders to shape the platform’s future, voting on critical proposals to ensure collective growth and innovation.
XCN price prediction
Onyxcoin (XCN) has gained attention for its role in DeFi and its governance function within the Onyx Protocol. While price predictions vary, with some analysts anticipating steady growth as adoption of the platform increases, it is worth keeping an eye on the key factors influencing its price, notably market demand, advancements within the Onyx ecosystem, broader crypto market trends, and regulatory developments.
However, given the volatility of the cryptocurrency market, it’s best to approach these XCN price predictions carefully and conduct thorough research before making any financial decisions.
Clearing the air: JP Morgan's Kinexys (formerly Onyx) does not own OnyxCoin (XCN)
In early November 2024, JP Morgan rebranded its blockchain unit from Onyx to Kinexys, sparking conversations about distinguishing between unrelated entities in the blockchain world. Below we break down the key differences between OnyxCoin (XCN) and JP Morgan's Kinexys to clear up any confusion for investors and industry professionals.
Let the record state: OnyxCoin (XCN) is a separate cryptocurrency project operating independently of JP Morgan and its blockchain initiatives. To avoid potential confusion:
- XCN is not affiliated with JP Morgan or any traditional banking institution
- The cryptocurrency project operates independently of JP Morgan's blockchain platforms
- Any similarity in naming to JP Morgan's former Onyx unit is coincidental
Looking to the future
XCN is a prime example of blockchain technology's evolution and the growing maturity of digital assets. As the cryptocurrency landscape continues to expand, XCN’s innovative framework and governance structure show how decentralised systems can adapt to meet new challenges.
With blockchain advancing rapidly, platforms like XCN highlight the potential for transformation in the digital economy. Whether you’re drawn to the technical details or the broader implications, staying informed about these developments is key to understanding this ever-changing space.
.webp)
We’ve all been here: you land that dream job or get a nice raise, and suddenly your old budget feels unnecessarily restrictive. A few premium subscriptions here, some fancy dinners there, maybe a nicer apartment – before you know it, your higher income somehow feels tighter than before.
Welcome to lifestyle creep, the subtle way our spending habits expand to match (or exceed) our growing income. It’s real, and it’s out there. Here’s how you can fight back.
Why it happens
Lifestyle creep isn't just about splurging. Often, it's a series of small, seemingly reasonable upgrades. That €15 lunch delivery doesn't feel extravagant when you're having a hard day, and those €20 fitness classes are justified as a worthwhile investment in your health.
The problem isn't any single expense, it's how these small changes compound over time, transforming from luxuries into what feel like necessities. And those small expenses can add up dramatically: an extra €50 per week on conveniences means €2,600 per year that could have gone toward retirement, a dream vacation, or your emergency fund. That’s a chunk of change in the end.
Breaking the cycle
1. Find your motivation
Before making changes, identify why you want to control your spending. Maybe you want to switch careers, start a business, or build an emergency fund. Having a concrete “why” makes it easier to resist those immediate gratifications.
2. Audit your joy
Review your recent expenses and honestly assess which ones truly enhance your life. That streaming service you barely use? The subscription box that sits unopened? These are easy cuts. But don't stop at the obvious – examine everything, including your "necessary" expenses. Sometimes what we think we need is just habit in disguise.
Start doing this weekly, eventually moving up to monthly, until your inner accountant is completely satisfied with where your money is going. The idea here isn’t to strip all joy from your life, it’s merely to streamline it.
3. Create friction
Make impulse spending harder:
- Remove saved payment information from shopping sites and phone settings
- Unsubscribe from marketing emails
- Establish a 48-hour waiting period for non-essential purchases
4. Address your triggers
Our spending habits are heavily influenced by our environment. Consider:
- Unfollowing social media accounts that trigger spending urges
- Finding free or low-cost alternatives to expensive social activities
- Being honest with friends about your financial situation and goals
- Planning social activities that don't revolve around spending
5. Regular check-ins
Schedule monthly "money dates" with yourself. Review your spending, celebrate wins, and adjust your strategy. Make it enjoyable – pour yourself a drink and put on your favourite record. This isn't about punishment, it's about alignment with your goals.
The mindset shift
Remember that reducing expenses isn't about deprivation, it's about choice and control. You might find that some lifestyle upgrades are worth keeping because they genuinely improve your quality of life. Others might be easy to let go once you realise they're not adding that much value.
The goal isn't to return to living like a college student. Instead, aim to be intentional about which upgrades you keep and which you can live without. This mindful approach to spending helps steer your money toward things that truly matter to you, rather than disappearing into a series of forgettable purchases.
By taking control of lifestyle creep, you're not just saving money – you're buying yourself options, flexibility, and peace of mind. And those are luxuries worth keeping.
%20Top%2010%20Solana%20Meme%20Coins%20of%202024.webp)
Καθώς η κουλτούρα των meme coins ανθίζει, τα memecoins του Solana κλέβουν την παράσταση στον κύκλο του 2024, συνδυάζοντας τηνκουλτούρα του διαδικτύου με ένα γρήγορο blockchain χαμηλού κόστους. Αυτά ταιδιόμορφα tokens έχουν κατακλύσει την κοινότητα των κρυπτονομισμάτων, με κάποιανα γνωρίζουν εκρηκτική άνοδο σχεδόν από τη μια μέρα στην άλλη.
Η άνοδός τους δεν είναι απλώς διασκεδαστική, αλλάαποτελεί και απόδειξη της αυξανόμενης επιρροής των project που καθοδηγούνταιαπό την κοινότητα και του μοναδικού οικοσυστήματος που προσφέρει το Solana.Είτε τα αγαπάτε είτε γελάτε μαζί τους, τα meme coins του Solana αποδεικνύουνότι είναι κάτι περισσότερο από απλό αστείο.
Τα 10κορυφαία meme coins του Solana για το 2024
1. Bonk (BONK)
Το Bonk εμφανίστηκε ως η απάντηση του Solana στοShiba Inu. Με έξυπνα airdrops στην κοινότητα και συνεργασίες με πρωτόκολλα DeFiκαι projects NFT, το Bonk έγινε γρήγορα sensation, με αποτέλεσμα η μασκότ του,ένα πεινασμένο Shiba Inu, να αποτελεί πλέον σταθερό σύμβολο του οικοσυστήματος.
2.Dogwifhat (WIF)
Το Dogwifhat κέρδισε τον κρυπτο-κόσμο με τηνιδιόμορφη γοητεία του: ένα Shiba Inu με χειμερινό σκούφο. Σε αντίθεση με τατυπικά meme coins, αναπτύχθηκε οργανικά, τροφοδοτούμενο από γνήσια συμμετοχήτης κοινότητας, με τις καταχωρήσεις σε μεγάλα ανταλλακτήρια να εδραιώνουν τηθέση του.
3.Fartcoin (FARTCOIN)
Παρά το ενδιαφέρον όνομα, το Fartcoin έχει δείξειεντυπωσιακή απόδοση και σημαντική ανάπτυξη. Αυτό που ξεκίνησε ως αστείο έχειεξελιχθεί σε ένα project καθοδηγούμενο από την κοινότητα με πραγματικήχρησιμότητα, προσφέροντας χαρακτηριστικά διακυβέρνησης και staking.
4. Peanut the Squirrel (PNUT)
Το PNUT, εμπνευσμένο από έναν συγκινητικό φόροτιμής στο Peanut (ένα αγαπημένο κατοικίδιο σκίουρο που χάθηκε υπό αμφιλεγόμενεςσυνθήκες), έχει γνωρίσει μετεωρική άνοδο. Το νόμισμα σημείωσε άνοδο 280% μετάτην καταχώρησή του στο Binance.
5. ai16z (AI16Z)
Το ai16z συνδυάζει έξυπνα δύο από τις πιο καυτέςτάσεις στα κρυπτονομίσματα - την τεχνητή νοημοσύνη και τα meme coins. Το όνοματου project παίζει με την ονομασία της διάσημης εταιρείας venture capital a16z.
6.Popcat (POPCAT)
Το Popcat έγινε διάσημο αξιοποιώντας το viralδιαδικτυακό meme από το οποίο πήρε το όνομά του. Με δημιουργικό μάρκετινγκ καιενεργή παρουσία στα μέσα κοινωνικής δικτύωσης, έχτισε γρήγορα μια πιστή κοινότητα.
7. Baby Doge Coin (BABYDOGE)
Το Baby Doge Coin αξιοποίησε την επιτυχίαπροηγούμενων κρυπτονομισμάτων με θέμα το σκύλο, προσθέτοντας τη δική τουπινελιά: ένα "κουτάβι" spin-off του δημοφιλούς Dogecoin μεφιλανθρωπικές πρωτοβουλίες.
8. CatIn A Dogs World (MEW)
Το MEW έφερε μια φρέσκια οπτική στο χώρο των memecoins παίζοντας με την αιώνια αντιπαλότητα γατών-σκύλων σε μια αγορά πουκυριαρχείται από σκύλους.
9. Goatseus Maximus (GOAT)
Το Goatseus Maximus, το πρώτο meme coin πουδημιουργήθηκε με τεχνητή νοημοσύνη, συνδυάζει την κλασική μυθολογία με τηνκουλτούρα των meme για να δημιουργήσει μια μοναδική ταυτότητα στο χώρο.
10. BOOK OF MEME (BOME)
Το Book of Meme συνδυάζει την πολιτιστική δύναμητων memes με την τεχνολογία blockchain, δημιουργώντας ένα μοναδικό"ψηφιακό βιβλίο meme". Επιτρέπει στους χρήστες να συνεισφέρουν και ναέχουν πρόσβαση σε ένα αυξανόμενο αρχείο memes.
Συμπεράσματα
Η επιτυχία των κορυφαίων meme coins του Solana το2024 σηματοδοτεί μια αλλαγή στο τοπίο των κρυπτονομισμάτων. Project όπως τοBONK και το dogwifhat έχουν δείξει ότι τα meme coins είναι κάτι περισσότερο απόαπλές τάσεις. Το κλειδί της επιτυχίας τους βρίσκεται στην ισχυρή συμμετοχή τηςκοινότητας, το δημιουργικό branding και τα τεχνικά πλεονεκτήματα του Solana.
Kickstart your financial journey
Ready to take the first step? Join forward-thinking traders and savvy money users. Unlock new possibilities and start your path to success today.
Get started