Tap
Tap Global is a Gibraltar-regulated, LSE AIM-listed digital finance platform offering a mobile super app that combines multi-currency accounts, a prepaid Mastercard, crypto trading, yield products, and B2B white-label and Bitcoin treasury services to 391,000+ retail and institutional users across the UK and EEA.
- Company typePublic
- Founded2018
- HeadquartersGibraltar, Gibraltar
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Tap does
Tap Global Group plc is a Gibraltar-incorporated, London Stock Exchange AIM-listed digital finance company that operates a regulated mobile-first platform bridging fiat banking and digital assets. Its product stack combines a multi-currency money account with dedicated GBP Sort Code and EUR IBAN accounts, a prepaid Mastercard issued by Transact Payments Limited under Mastercard licence, a crypto trading venue covering 70+ assets, a cashback rewards programme, and the Tap Earn yield product offering up to 8.0% APY on stablecoins. B2B offerings include a Crypto Business Account, Card-as-a-Service and Crypto-as-a-Service white-label platforms, and the more recently launched Bitcoin Treasury as a Service (BTaaS) for publicly listed corporates. Underlying technology includes a proprietary Smart Router that aggregates exchange and order-book prices in real time, cold wallet custody for user crypto balances, and the internal Tap Network enabling free account-to-account transfers.
The company serves two customer segments: a primary retail consumer base of 391,000+ registered users across the UK and EEA (excluding the US), and a smaller B2B segment targeting crypto-native businesses and public companies. Revenue is generated from tiered transaction fees across Standard, Black, and Titanium account plans (card loading, FX conversion, ATM withdrawals, bank transfers), spread economics on the Tap Earn yield product, and recurring B2B subscription revenue from BTaaS, Card-as-a-Service, and Crypto-as-a-Service. Strategic infrastructure partners include Moorwand (FCA-regulated EMI providing BaaS rails) and Mastercard (card network). The company reports £3.48M in FY2025 revenue (31% YoY growth), £410K positive adjusted EBITDA, 7+ supported currencies, and dual regulatory licensing under the Gibraltar DLT Framework and Bulgarian NRA virtual asset regime.
Tap firmographics
Firmographics- Name
- Tap
- Legal name
- Tap Global Limited
- Website
- https://withtap.com
- Company type
- Public
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tap Global is a Gibraltar-regulated, LSE AIM-listed digital finance platform offering a mobile super app that combines multi-currency accounts, a prepaid Mastercard, crypto trading, yield products, and B2B white-label and Bitcoin treasury services to 391,000+ retail and institutional users across the UK and EEA.
- Ownership category
- akta.pro rank
Tap industry classification
Industry- Product category
- Crypto Banking Platform
- NAICS
- Credit Card Issuing (52221)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industries
- Open-Loop Prepaid Cards (Network-Branded) (FSAMANAA), Crypto-Enabled Cross-Border Transfers & On/Off-Ramps (FSAGAKAO), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)
Keywords
Where Tap is headquartered
LocationHeadquarters
- HQ city
- Gibraltar
- HQ country
- Gibraltar
Offices2 records
Markets served
Tap business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Card Loading Fees: Fees charged when users load funds onto their Tap card via debit card. Rates vary by account tier and card issuance region: 1.5%/1.25%/1.00% for EEA-issued debit cards; 2.5%/2.25%/2.00% for cards issued outside the EEA; 3% for business/corporate debit cards. Standard Account pays highest rate, Titanium pays lowest.
- ATM Cash Withdrawals: Fees charged for ATM cash withdrawals. Standard and Black accounts pay €2 (min) or 2% per transaction; Titanium account receives free withdrawals up to unlimited. ATM operator fees may apply separately.
- Currency Conversion Fees: Foreign exchange conversion fees when spending on the Tap Card outside the Euro zone or converting between currencies within the Tap wallet. Standard account: 1.5%; Black account: 1.0%; Titanium account: free unlimited.
- Withdrawal and Transfer Fees: Fees for withdrawing funds from Tap to external bank accounts. UK Faster Payments: £2 for Standard/Black, free for Titanium. SEPA transfers: €2 for Standard/Black, free for Titanium.
- Miscellaneous Account Fees: Chargeback processing fee of €25 (all tiers), card replacement fee of €10 for Standard/Black accounts (free for Titanium), reverse payment administration fee of €25/£25, investigation fee of €25/£25, redemption fee of €10. Monthly inactivity fee of €3 after 12 months of no activity.
- Crypto Yield Products (Tap Earn): Yield earned on customer crypto deposits. The company increased customer-facing yields from up to 7.0% to up to 8.0% on stablecoins. Assets under management reached over $5 million as of June 2026. Revenue is generated from the spread between customer yield rates and Tap's own yield on deposited assets.
- Bitcoin Treasury as a Service (BTaaS): A B2B service enabling publicly listed companies to manage Bitcoin as a treasury asset. Combines trading, custody, liquidity aggregation, and regulatory compliance. Created a new recurring revenue stream for Tap following pilot testing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free tier with basic features and higher transaction fees |
| Subscription | Monthly | Mid-tier with reduced fees and higher limits |
| Subscription | Monthly | Premium tier with no fees on core transactions and highest limits |
| Usage-based | Pay-as-you-go | Tap Earn crypto yield product - up to 8% on stablecoins |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels10 records
Tap product offering
Product offeringCore offering
Tap is a regulated digital finance super app that bridges fiat banking and the digital asset economy in a single mobile application. It offers retail consumers multi-currency money accounts (EUR IBAN and GBP Sort Code accounts), a prepaid Mastercard with up to 8% cashback, trading of 70+ crypto assets, and yield products (Tap Earn) on stablecoins, Ethereum and Bitcoin. For businesses and institutions, Tap provides a Crypto Business Account, Card-as-a-Service (white-label card issuance), Crypto-as-a-Service platform, and Bitcoin Treasury as a Service (BTaaS) for corporate Bitcoin treasury management.
Product overview
Tap is a unified digital finance super app that bridges traditional fiat finance and the digital asset economy. The platform operates as a modular ecosystem combining a core mobile app with integrated financial services including crypto trading (70+ assets), multi-currency accounts with dedicated IBANs, a Mastercard-branded debit card with up to 8% cashback, and the Tap Earn yield product. B2B offerings include Crypto Business Account, Card as a Service, Crypto as a Service, and Bitcoin Treasury as a Service (BTaaS) for institutional clients. The platform is publicly listed on the London Stock Exchange and regulated by the Gibraltar Financial Services Commission.
Differentiator
Problem solved
Functional benefit
Brands
- Tap Earn: Crypto yield product offering variable yields on supported stablecoins (up to 8.0%), Ethereum (3.5%), and Bitcoin (2.5%)
- Tap Card
- Bitcoin Treasury as a Service (BTaaS)
- Smart Router
- Tap Network
- Premium
Products and services
- Tap App A digital finance super app for individual consumers that combines crypto trading, multi-currency money accounts, prepaid card spending, international transfers, cashback rewards and crypto yield in a single mobile application on iOS and Android.
- Tap Card A prepaid Mastercard enabling worldwide online, in-store and ATM spending for Tap users, offering up to 8% crypto cashback on purchases and access to best-value exchange rates. Cards are issued by Transact Payments Limited under Mastercard licence.
- Tap Earn A crypto yield product offering variable returns on customer crypto deposits, with yields increased to up to 8.0% APY on stablecoins, 3.5% on Ethereum, and 2.5% on Bitcoin. Features flexible withdrawals without lockup periods and AUM that grew past $5 million by June 2026.
- Money Account A multi-currency fiat account providing dedicated EUR IBAN and GBP Sort Code/Account Number for users to manage money in 7+ currencies, send and receive funds, and receive salary directly via SEPA and UK Faster Payments.
- Crypto Trading A built-in cryptocurrency trading service enabling users to buy, sell, swap and hold 70+ crypto assets including Bitcoin, Ethereum, USDT, USDC, Litecoin and XRP, secured with 2FA authentication and bank-level encryption.
- Send Money An international money transfer service letting users send and receive money across 7+ currencies and split everyday expenses within the Tap app.
- Crypto Business Account A dedicated business banking solution providing IBANs, global payments and crypto trading capabilities for SME and corporate clients seeking crypto-friendly financial infrastructure.
- Card as a Service A white-label card issuance solution enabling businesses to launch their own branded payment cards on Tap's card infrastructure with customised features and branding.
- Crypto as a Service An embedded crypto trading platform enabling businesses to launch their own cryptocurrency trading solution with Tap's integrated custody, liquidity aggregation and regulatory infrastructure.
- Bitcoin Treasury as a Service (BTaaS) An institutional B2B platform that enables publicly listed companies to manage Bitcoin as a core treasury asset, combining trading, custody, liquidity aggregation and regulatory compliance in a single managed offering.
Quantifiable outcome
- 31% revenue growth to £3.48 million for FY2025
- +5 more outcomes
Companies that use Tap
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Tap technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
Tap partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and secondary.
- MoorwandcoreStrategic partnership with Moorwand, a UK FCA-regulated Electronic Money Institution (Firm Reference No. 900709), to integrate Banking-as-a-Service capabilities into Tap's digital finance app. Through this integration, Tap users gain access to dedicated GBP accounts with Sort Codes and Account Numbers, and EUR accounts with individual IBANs. The partnership removes dependency on external bank accounts for funding and enables direct salary deposits, positioning Tap as a primary financial account for UK crypto-fintech users.
- Transact Payments LimitedcoreTransact Payments Limited, incorporated in Gibraltar, is authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution. Issues Tap's prepaid Mastercard under licence from Mastercard International. Manages the card program including transaction processing, ATM access, and cardholder services. Critical infrastructure partner for Tap's card product.
- Heuro SAS (formerly Harmoniie SAS)secondaryHeuro SAS (CIB: 17398) serves as an issuing partner providing banking services and electronic money accounts for Tap users. One of several partner payment institutions that provide services as disclosed within the app, alongside Moorwand.
- Mastercard InternationalcoreMastercard International Incorporated grants Tap a licence to issue prepaid Mastercard cards. The Mastercard brand and circles design are registered trademarks of Mastercard International. Cards are issued by Transact Payments Limited pursuant to this licence. Provides global payment network acceptance for Tap cards worldwide.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Tap competitors and assessment
Company assessmentDirect peers
- Wirex: Wirex is a crypto-enabled payments app offering a multi-currency card, in-app crypto trading, and yield-like rewards. It is the closest direct peer to Tap given the near-identical product mix of fiat account + crypto debit card + cashback.
- Crypto.com: Crypto.com operates a crypto exchange, prepaid Visa card with cashback, and an Earn yield product, mirroring Tap's core retail offering. It is a much larger scaled competitor in the same crypto super-app category.
- Plutus: Plutus offers a crypto cashback debit card and a non-custodial wallet with staking/rewards in the EEA. The card-plus-yield product set and European focus make it a relevant direct peer to Tap's consumer stack.
Broad incumbents
- Revolut: Revolut is a multi-currency super-app that now offers crypto trading, cards, and savings products. It dwarfs Tap in scale and serves a much broader use case, but its crypto features compete head-on with Tap's.
- PayPal: PayPal offers crypto buy/sell/hold and a payments card. While broader than Tap, its regulated crypto-in-app offering and card products are a competitive benchmark and overlap on cashback-style consumer features.
- Block (Cash App): Cash App, part of Block, combines a payments card with native Bitcoin trading, savings, and yield features. The integrated fiat-and-Bitcoin super-app model parallels Tap's positioning, although at vastly greater scale and with US-centric reach.
Emerging players
- Nexo: Nexo is a crypto lending and Earn platform that, like Tap Earn, lets users earn yield on deposited crypto and stablecoins. The overlapping yield-product economics make it a comparable for Tap's fastest-growing line of business.
- Alchemy Pay: Alchemy Pay provides crypto on-ramp and payment gateway infrastructure and a crypto card product. It is comparable to Tap's Crypto-as-a-Service and card stack from a B2B infrastructure angle.
- MoonPay: MoonPay is a crypto on-ramp and off-ramp provider and white-label infrastructure layer. It is comparable to Tap's Crypto-as-a-Service proposition, particularly for businesses that want to embed crypto buying into their own apps.
Others
- Banking Circle: Banking Circle is a payments bank and BaaS provider that supplies account, IBAN, and payment-rail infrastructure to fintechs. It is functionally adjacent to Tap's partnership with Moorwand and competes for the same B2B embedded banking demand.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Tap social profiles
Digital presenceTap compliance and trust
Trust signalCompliance5 records
Tap financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tap leadership team
Management profileNumber of profiles
Profiles6 records
Tap subsidiaries and ownership
Company hierarchySubsidiaries1 record
Tap funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tap M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tap
What does Tap do?
Tap is a regulated digital finance super app that bridges fiat banking and the digital asset economy in a single mobile application. It offers retail consumers multi-currency money accounts (EUR IBAN and GBP Sort Code accounts), a prepaid Mastercard with up to 8% cashback, trading of 70+ crypto assets, and yield products (Tap Earn) on stablecoins, Ethereum and Bitcoin. For businesses and institutions, Tap provides a Crypto Business Account, Card-as-a-Service (white-label card issuance), Crypto-as-a-Service platform, and Bitcoin Treasury as a Service (BTaaS) for corporate Bitcoin treasury management.
Is Tap a public or private company?
Tap is a public company. It is classified as public and is currently operating.
When was Tap founded?
Tap was founded in 2018. It employs 11 to 50 people.
Where is Tap based?
Tap is headquartered in Gibraltar, Gibraltar.
How does Tap make money?
Seven revenue lines are on record. Card Loading Fees are the primary driver. The others are ATM Cash Withdrawals, currency Conversion Fees, withdrawal and Transfer Fees, miscellaneous Account Fees, crypto Yield Products (Tap Earn) and bitcoin Treasury as a Service (BTaaS).
Who are Tap's main competitors?
Direct peers on record are Wirex, Crypto.com and Plutus. Broad incumbents are Revolut, PayPal and Block (Cash App). Emerging players are Nexo, Alchemy Pay and MoonPay. Banking Circle is listed as an others.
Does Tap have an API?
No public API is recorded for Tap.
What industry is Tap in?
Tap's product category is Crypto Banking Platform. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAMANAA, Open-Loop Prepaid Cards (Network-Branded). Its NAICS code is 52221 and its SIC code is 6199.