Your XTP does more now. A lot more.
You already know XTP unlocks Cashback, lower rates, and higher limits across Tap. Now, with the launch of Tap Earn, your XTP has a new trick up its sleeve — better yield rates on the assets you're already holding!
From the moment you spend, trade, or earn, XTP keeps working to maximize your returns, your XTP now amplifies every move you make across the platform. Take a look at what this new utility brings to the table!
Higher APY, Unlocked by XTP
Premium tiers now unlock higher APY. The key? Your XTP.
If you lock up your XTP, you’ll now access rates up to 7% APY on BTC, ETH, XRP, SOL, USDT, and USDC. The same assets you're already holding. Better returns, just because you're holding XTP alongside them.
The more XTP you lock, the higher your tier. The higher your tier, the more your portfolio earns. No extra steps or need for separate platforms. Just better rates, automatically applied to everything in your Earn vault.
Daily Compounding, Amplified
Your rewards compound daily. That means every day's earnings start earning too.
When combined with the higher APY unlocked through XTP lock-ups, the compounding effect becomes even more powerful. Users can track this growth directly inside the Earn hub through real-time tracking, while weekly payouts keep the process transparent and easy to follow.
This creates a natural portfolio synergy within the Tap ecosystem.
For example:
- Hold stablecoins like USDT or USDC for more predictable yield generation.
- Hold assets like BTC or ETH for long-term growth exposure.
- Use XTP to unlock higher Premium APY tiers across the portfolio.
Together, these components create a more flexible yield strategy without forcing you into lock-up periods or complicated DeFi systems.
Set It Up in Three Steps
Getting started with enhanced Earn utility is extremely simple.
Step 1: Check Your Current Tier and Rates
Open the app to view your current account level and available APY rates.
Step 2: Upgrade Through XTP
Acquire or lock the required amount of XTP to move into a higher Premium tier and unlock enhanced rewards.
Step 3: Watch Your Rewards Come in
Once your Premium tier is active, your Earn vault automatically reflects the updated APY rates, allowing your portfolio to begin compounding at the higher level.
There’s no need for a complicated setup or using multiple platforms.
XTP's Ecosystem Loop
The launch of Earn adds another layer to XTP’s growing ecosystem utility.
You already use XTP to:
- Reduce trading and FX fees.
- Unlock Premium account benefits.
- Increase Cashback rewards through the Tap Mastercard.
- Access higher platform limits and premium features.
Now your XTP also amplifies how much your portfolio earns. This creates a flywheel effect:
- Save money through lower fees.
- Earn Cashback through everyday spending.
- Generate yield through Tap Earn.
- Recycle rewards back into their portfolio for further compounding.
Instead of isolated features, Tap brings an interconnected ecosystem where different utilities reinforce each other over time.
One Token. Every Corner of the App.
You've already been building something. Every trade, every purchase, every time you've held crypto— no matter which one or for how long— it's been adding up.
Tap Earn just makes that mean more.
Now your crypto earns while you hold it. Your XTP unlocks better rates while you live your life. And every reward you compound today is building the portfolio you want tomorrow.
Because utility is not just a feature on a list. It should work in your favour every single day. With Earn now in the mix, your XTP is working harder than ever before.
This article is for general information purposes only and is not intended to constitute legal, financial or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.
