Most people discover crypto through investing. Buying it is easy. Watching charts is simple enough. But actually trying to use crypto in everyday life? That’s where things get harder. Some apps tell you to convert first. Others give you limits, delays, or hidden fees. So, crypto enthusiasts often find themselves wondering the same thing, why can’t spending crypto be as simple as tapping my card?
That’s exactly what Tap is for. Instead of treating crypto as something separate from your daily life, Tap makes it work exactly the way you want: fast, familiar, and accepted almost everywhere. Here’s how it works.
A Debit Card Powered by Your Crypto
Tap is a fully regulated crypto platform that issues a debit Mastercard you can use anywhere Mastercard is accepted. That is more than 110 million merchants worldwide. The Tap card draws from your crypto and converts it automatically when you pay. No manual selling, no swapping, no timing the market before dinner.
It looks and feels like a normal card, but it’s so much more.
Instant Crypto Conversion at Checkout
When you pay with Tap, your crypto gets converted to fiat right there at checkout. No waiting around for blockchain confirmations, no selling manually before you can spend. The card supports all your favorites: BTC, ETH, XRP, USDT, SOL, and 65+ others.
Auto Top-Ups so Your Card Doesn’t Decline
If your balance runs low mid-purchase, Tap automatically tops it up from whichever crypto wallet you've picked. The whole thing happens in the background while your transaction processes.
That means no awkward declined transactions, no scrambling to open the app and convert something, and no checking if your card has enough balance. The card just works. Everywhere. Every time.
How Fast Can You Top Up with Crypto?
One word. Instantly.
Top-ups happen in real time with zero settlement delay. There are no hidden limits, no annoying cooldowns, and no surprise conversion fees.
You add crypto → it’s available → you spend.
Exactly as it should be.
Accepted Everywhere Mastercard Is Accepted
You can use your Tap Card for grocery runs, international travel, online shopping, streaming subscriptions, restaurants, bars, hotels, ATM withdrawals, and basically everything else.
If they take Mastercard, Tap works. Your crypto becomes an actual spending tool you can use anywhere in the world, running on the same trusted payment network that processes billions of transactions daily.
Cashback & Perks: Making Spending Feel Like a Win
What really sets Tap apart is the fact that you actually get rewarded for spending. With Tap's Cashback program, you can earn up to 8% back on every single purchase.
Buying groceries? Get Cashback.
Ordering takeout? Cashback.
Booking a trip? Even more Cashback.
Your rewards drop straight into your Tap account. Want to unlock higher rates? Just level up by upgrading to a premium tier and locking XTP tokens into your account.
The Cashback rates go from 0.5% on the Essential tier (which is free) all the way up to 8% on Prestige. In between, you've got Plus at 1.5%, Prime at 3%, Premier at 4%, and Platinum at 6%. Rewards hit your account immediately, and you can unlock better rates by staking XTP.
To get Prestige, you'll need €25,000 XTP locked. Platinum requires €15,000, Premier needs €5,000, Prime is €2,500, and Plus starts at just €300. Essential doesn't require anything, it's completely free.
Tier requirements
- Prestige: €25,000 XTP locked
- Platinum: €15,000
- Premier: €5,000
- Prime: €2,500
- Plus: €300
- Essential: free
Fees? Simple, Transparent, and Based on Your Tier
Tap keeps everything straightforward. There are no hidden fees, no surprise costs, and no fees for topping up your card.
ATM withdrawals are free up to certain limits depending on your tier. Prestige users get unlimited free withdrawals, and Platinum gets €1,000, while everyone from Platinum down to Essential gets €500 free per month.
Your monthly plan cost depends on which tier you go with and the perks you get. Plus, Tap's top tier lets you spend up to €30,000 per month. So whether you're covering everyday stuff or paying for travel, you won't run into annoying limits that mess up your plans.
Extra Features That Make Life Easier
Tap includes practical tools that make the card feel safer and way more flexible.
You get a virtual card for shopping online, instant freeze and unfreeze if you lose track of your card, multi-currency support, and real-time notifications. The security is handled through standard encryption protocols and the app connects directly to the card network for immediate control.
It’s built for the way we actually use money in today’s world.
Built for a Modern Lifestyle
The Tap card feels premium from the very first moment you hold it. With its sleek, minimalist aesthetic and quality build, it's made for people whose lives don't fit only into one country or currency. Whether you're hopping between time zones, shopping across borders online, or just navigating daily life in a digital-first world, the Tap card is built to keep with your pace.
High spending limits mean you're never caught off guard. Clean, understated design ensures it looks as sharp as it performs.
Can You Trust Tap?
Tap isn't some sketchy offshore card operation. It's a fully compliant, audited financial product. It's regulated by the FCA in the United Kingdom, compliant with MiCA for users across Europe, the card is issued by Mastercard, and crypto custody is handled by Fireblocks, one of the industry's leading custody providers.
How to Get the Tap Card
- Download the Tap app
- Sign up
- Order your card
- Choose which crypto you want to spend
- Start tapping everywhere Mastercard is accepted
That’s it. It’s that simple.
Tap into a smarter way to pay today.
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