If you have someone in your contacts and they also have Tap (if you both have granted access to your contacts) they will appear in your beneficiaries.
Alternatively you can use their Connect Code, which starts with "TNG", to add them.
Here is how to add them to your list: • Start from the homepage • Go to the Cash section • Select a currency • Select " Transfer to another Tap user " • Press on the blue "+" symbol • You will now be able to enter their connect code here to add then to your list.
Note that Internal transfers are free and instant between users.