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Hey there, Community! ✨

We've got some exciting news to share, and it's all about making your life a little bit easier and a whole lot clearer. We're thrilled to announce our partnership with TapiX – and before you wonder what this is all about, let me break it down into plain English, just for you.

No More Guessing Games 🎲

Ever looked at your transaction history and thought, "Where on earth did I spend that money?" We've all been there, scratching our heads, trying to decipher cryptic names or puzzling out just which coffee shop that was.

Here's where TapiX comes in – and why we're so excited about it. TapiX turns those confusing codes and names into information you can actually understand. We're talking real names of stores, complete with local language and all the details to make it click instantly. Yes, that means no more guessing games!

A Picture Speaks a Thousand Words 📷

But why stop at names? When you look at your transactions, you can now see actual logos and images – making it even easier to spot at a glance where you've been shopping. It's like turning your transaction history into a colourful gallery of your spending habits.
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Pinpoint Shopping Locations📍

Ever got a charge from a store and wondered, "When did I go there?”. Now, you won't just see the name; you'll get the exact location. We're talking street address, city, even zip codes – perfect for those "Aha!" moments.
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Extra Details at Your Fingertips 🫰

And there's more. Want to revisit a store but can't remember the name? You can now access additional details like website links, opening hours, and more for the store and companies that support it. It's like having a little assistant tucked away in your transaction history.

Why This Matters to You 👀

We believe managing your money should be as straightforward as shopping. That's why we partnered with TapiX – to transform your transaction list from a boring spreadsheet into a clear, understandable, and even helpful part of your daily life.

Here's what it boils down to: less time puzzling out your past spends and more time enjoying your present. Whether you're a budgeting pro or just trying to keep track of where your money's going, we think you'll love this new feature.

It's All About You 💙
At Tap, everything we do is aimed at giving you a better experience. We listen, we care, and we act on what you need. This partnership? It's all about making your financial life clearer and simpler.

We're here to help you make sense of your spending, save time, and maybe even discover some new favourite spots along the way. And this is just the beginning – we're always looking for ways to improve your experience.

So go ahead, take a look at your updated transaction history, and see the difference for yourself.

Here's to clearer, simpler, and more enjoyable finances.

Warmly,

The Tap Team.

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Curious about what's in store for fintech this year? Get our Fintech market outlook 2024 ebook, we'll give you a glimpse into the trends and challenges shaping the industry this year.

Tap, announces a temporary suspension of XTP locking/fees payment for all its users, reflecting a steadfast commitment to regulatory compliance and global collaboration.

In alignment with our regulatory-first vision, Tap announce the temporarily suspending XTP locking and fee payment in XTP. This strategic move reflects our dedication to regulatory compliance in every aspect of our operations.

At Tap, we prioritize responsibility alongside innovation. This temporary suspension underscores our commitment to regulatory compliance and our ability to effectively serve all our users in the United Kingdom, aligning with the new FCA regulations set in place.

In accordance with the Financial Conduct Authority's (FCA) financial promotion rule, we regret to inform our UK residents that the utilization of XTP for locking or payment is temporarily suspended. The FCA has classified the use of digital assets for obtaining discounts as a financial incentive, thus preventing its extension to any UK resident.

The temporary suspension of services in the UK has necessitated a pause in functionality across our entire platform due to its unified nature. Nevertheless, our team remains unwavering in our commitment to restoring Locking/Paying Fees in XTP for our global community. 

While this transition may present temporary challenges, it also represents an opportunity for growth and collective progress.

We extend our heartfelt appreciation to our users for their unwavering support and patience as we navigate through this transition. Rest assured, Tap remains steadfastly committed to delivering an unparalleled digital asset experience that is compliant, secure, seamless, and transformative for users worldwide.

Alors, vous avez passé un joyeux Noël et peut-être, juste peut-être, vous avez un peu exagéré avec les dépenses. Eh bien, cela arrive aux meilleurs d'entre nous et vous n'êtes certainement pas le seul à entamer janvier avec un déficit en conséquence. Sans être trop dur envers vous-même, réorientons-nous et mettons en œuvre ces 5 conseils pour revenir sur la bonne voie et rebondir rapidement. Avant de commencer, il est préférable d'avoir une idée réaliste de votre situation financière. Vous ne pourrez pas résoudre la situation si vous n'en êtes pas conscient. Assurez-vous de consulter toutes vos cartes de crédit et comptes afin que nous puissions affronter la réalité ensemble.

Évaluez les dégâts

Si vous avez puisé dans vos économies ou utilisé vos cartes de crédit pour pimenter vos projets de décembre, notez clairement le montant que vous devez et prenez note des remboursements d'intérêts correspondants. Il existe de nombreuses façons de s'attaquer à la dette, il est donc important de trouver une stratégie qui convienne le mieux à votre situation financière. Si vous ne savez pas par où commencer, voici deux options adaptées aux débutants : la méthode de la "Dette Avalanche" et la méthode de la "Dette Boule de Neige".

Dette avalanche : commencez par rembourser d'abord les dettes à taux d'intérêt élevé pour économiser des intérêts à long terme tout en effectuant toujours les paiements minimums sur les dettes à taux d'intérêt plus faible.

Dette boule de neige : commencez par rembourser le solde le plus bas de la dette pour obtenir rapidement des victoires et de la motivation, tout en effectuant les paiements minimums sur toutes les autres dettes.

Optez pour ce qui vous semble le plus confortable. Si vous avez puisé dans vos économies, essayez d'augmenter vos économies mensuelles au cours des prochains mois pour les ramener à leur niveau initial, en particulier si vous avez utilisé votre fonds d'urgence. Non, la sangria n'est pas une urgence. Même en hiver.

Rationalisez vos économies

En entrant dans le mois prochain, mettez en place un virement automatique afin que vos économies sortent directement de votre compte et que vous ne soyez pas tenté de vous réconforter avec un autre café au pain d'épice. Écoutez, les cafés au pain d'épice sont formidables, mais l'être financièrement stable l'est aussi.

Si vous avez plusieurs objectifs d'épargne, vous pouvez également envisager de créer plusieurs comptes d'épargne (assurez-vous de vérifier les frais mensuels) et d'allouer votre salaire en conséquence. Des points bonus si vous utilisez un compte d'épargne à rendement élevé qui accumulera des intérêts supplémentaires.

Désintoxication financière

Parfois, lorsque nous avons dépensé un peu trop, il peut être judicieux de donner un nouveau départ à nos finances. Une manière de le faire est d'avoir un "mois sans dépenses". Ça ne semble peut-être pas passionnant, mais écoutez-nous. Vous faites une pause dans l'achat de choses qui ne sont pas absolument nécessaires. Cela fonctionne mieux si vous établissez des règles strictes, en vous concentrant uniquement sur l'essentiel.

Définissez vos règles en identifiant les nécessités, planifiez vos repas à l'avance, évitez les tentations comme les centres commerciaux et les influences des médias sociaux, recherchez des divertissements gratuits et suivez les économies réalisées. Un mois sans dépenses peut également vous aider à réinitialiser votre réflexion sur ce dont vous avez vraiment besoin de dépenser de l'argent. Par exemple, pendant la période des fêtes, vous avez peut-être absolument eu besoin de nouvelles tenues pour vos rencontres sociales.

Cependant, en janvier, prenez le temps de parcourir votre garde-robe et trouvez des pièces fantastiques que vous aviez depuis longtemps. Voyez cela comme une façon de prendre du recul et de réévaluer vos habitudes de dépenses tout en économisant de l'argent.

Allouez chaque centime de votre budget

Une tendance récente dans le domaine de la budgétisation est d'allouer chaque centime de votre salaire à différentes catégories, en veillant à ce que chaque euro que vous gagnez serve à un but précis. Une fois votre budget établi, vous avez toujours la flexibilité de déplacer des fonds, mais l'idée est que vous réfléchirez à deux fois avant de transférer des fonds d'une chose importante à quelque chose de plus trivial. Cela vous aidera également à comprendre vos priorités et à réparer les dégâts.

Révisez et ajustez

Pendant que vous sirotez quelque chose chez vous lors de votre mois sans dépenses, c'est aussi bon moment que n'importe lequel pour élaborer un budget hypothétique pour les fêtes de l'année prochaine. Tant que tout est encore frais dans votre esprit, notez les coûts les plus importants et essayez de mettre en place un budget vers lequel vous pourrez travailler et économiser au cours des prochains mois.

Les choses à planifier peuvent inclure les voyages, les frais de réception d'une fête, les cadeaux, les factures de gaz supplémentaires pour le chauffage, et peut-être une tenue qui vous fera vous sentir encore mieux. N'oubliez pas, budgétiser ne consiste pas à vivre au minimum, mais à établir des priorités, à planifier et à anticiper.

Dernières réflexions

La frénésie de dépenses de la période des fêtes a peut-être laissé votre portefeuille un peu vide, mais ne vous inquiétez pas, vous n'êtes pas seul à entamer janvier avec quelques ajustements financiers à faire. En suivant ces cinq conseils, vous pouvez rebondir rapidement et même vous préparer aux festivités de l'année prochaine. Avec un peu de discipline et une nouvelle perspective, vous serez bien parti pour rebondir et retrouver rapidement votre stabilité financière. À votre santé pour une nouvelle année financièrement solide !

TAP Partners with Notabene to Implement Innovative Solutions Ensuring Adherence to Cryptocurrencies’ Travel Rule

Tap is proud to announce its new partnership with Notabene, in a concerted and strategic response to strengthen its compliance operations, by utilizing the market-leading solutions to ensure ongoing compliance with the Travel Rule for cryptocurrencies. Embracing the ever-evolving regulatory landscape, this partnership underscores TAP's dedication to ensuring consumer trust and guaranteeing pre-transaction regulatory compliance requirements at all times.

Tap has always taken pride in its regulatory-first approach, emphasizing the importance of consumer trust and operational transparency. Tap's decision to partner with Notabene is grounded in a multitude of strategic rationales. Notabene's all-encompassing SafeTransact platform, renowned for its excellence in identifying and mitigating high-risk activity before it occurs, provides compliance teams with the tools to make data-driven choices and enhances operational efficiency by seamlessly integrating the Travel Rule into compliance processes.

Notabene's notable offering includes its SafeGateway solution, which facilitates VASP-to-VASP interaction across protocols. This positions them as strong contenders in the cryptocurrency compliance solutions sector. This underscores why TAP views this partnership as a positive step toward maintaining a competitive edge in the fintech compliance landscape.

Comment from Kriya Patel, CEO of Tap

“I am delighted to be able to announce our strategic partnership with Notabene and I look forward to growing the relationship together whilst navigating through to meeting and maintaining our current and future regulatory requirements in our industry. 

The partnership with Notabene was a natural one. They share the same values as Tap by focusing on  customer-driven product needs, whilst allowing us to maintain a regulated and security-first approach.”

Comment from Pelle Braendgaard, CEO of Notabene

"We are pleased to collaborate with Tap, their commitment to compliance and customer trust aligns seamlessly with our mission. Together, we can advance the industry while ensuring the highest standards of security and transparency."

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Welcome to the delicious world of cookies! But hold on, we're not talking about those sweet treats you munch on during tea time. We're here to unveil the mysterious and oh-so-important cookies that exist on the vast landscape of the internet. 

These cookies aren't tangible, instead, they're small pieces of data that roam around cyberspace, shaping and enhancing your online experience. In this article, we break down what cookies are exactly and how they impact our online interactions. 

What are cookies?

These digital marvels play a vital role in enhancing our online experiences. So, what exactly are cookies and why does your computer store them?

When you're hopping from one website to another, your computer keeps a small file on behalf of each website you visit. This file is the cookie. The name "cookie" actually comes from a programming term called a magic cookie, coined by the programmer, Lou Montulli, and adds flavour to your online adventures.

But why do computers store these little files? Cookies help web servers remember you, ensuring a smooth and personalised browsing experience. Let's say you perform an action on a website, like switching to a dark mode or logging in with your credentials. Your computer takes note of this and saves the information in a cookie.

When you revisit that website in the future, your computer hands back the stored information from the cookie to the website. It's as if your computer is acting as a helpful assistant, reminding the website of your preferences, saved settings, and even items left in your virtual shopping cart.

The bottom line is that cookies are an integrated service that allow for a seamless and tailored browsing experience. 

The different types of cookies

As with its baked goods counterpart, not all cookies are created equal. Each type serves a unique purpose in enhancing your online experience. Here's a breakdown of the most common cookie varieties:

Session cookies

These are temporary cookies that exist only during your browsing session. They hold information about your activities on a website, ensuring smooth navigation. Once you close the browser, session cookies vanish, leaving no trace behind.

Persistent cookies

Unlike their transient cousins, persistent cookies stick around even after you close the browser. They store information like login details or preferences, making your return visits more personalised and convenient.

First-party cookies

These are created by the website you are visiting. They help to remember your preferences and settings, making your browsing experience smoother.

Third-party cookies

These cookies come from external sources, often embedded in the website you're visiting. They track your browsing habits, allowing advertisers to deliver targeted ads based on your interests.

Cookie consent and those pop-up banners

When you visit a website, you may have noticed those cookie consent banners or pop-ups that demand your attention. Turns out they are quite important. Implementing these notifications helps websites comply with data protection regulations and respect your privacy. 

They also play a vital role in helping users understand the importance of giving consent and being aware of how their data is used. So, next time you encounter a cookie consent banner, remember it's there to protect your rights and ensure transparency in the online world.

How cookies track and analyse your behaviour

Cookies have become a powerful tool for tracking and analysing user behaviour on websites. They enable website owners to gather valuable analytics data and gain insights into visitor patterns and preferences. 

By utilising cookies, website administrators can track the number of page views, monitor the time users spend on their site, and gain a deeper understanding of how visitors interact with different elements. This data helps them optimise their websites, improve user experience, and tailor content to suit audience preferences. 

On top of that, cookies also play a crucial role in targeted advertising, allowing marketers to display ads based on users' browsing habits and interests. So, the next time you encounter a personalised ad, you can thank those little, but mighty, cookies for their clever insights.

How you can manage your cookies

Managing and controlling useful cookies gives you more control over your online privacy. Through browser settings, you can choose to accept, reject, or delete cookies. Taking control of your cookie preferences allows you to customise your browsing experience and limit the data collected by websites. 

Additionally, various cookie management tools are available, making it easier to handle cookies across different websites. It's important to understand the implications of accepting or rejecting cookies, as it can affect website functionality, personalised experiences, and even the relevance of advertisements. Find the right balance that suits your privacy preferences and browsing needs.

Conclusion

In the vast realm of the internet, cookies are the unsung heroes that make our online experiences seamless and personalised. These small files, stored by our computers on behalf of websites, play a crucial role in remembering our preferences, settings, and actions. 

So, the next time you encounter a cookie consent banner or notice the personalisation of a website, you'll know it's all thanks to these small but mighty digital gems called cookies. 

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