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The financial world is undergoing a significant transformation, largely driven by Millennials and Gen Z. These digital-native generations are embracing cryptocurrencies at an unprecedented rate, challenging traditional financial systems and catalysing a shift toward new forms of digital finance, redefining how we perceive and interact with money.

This movement is not just a fleeting trend but a fundamental change that is redefining how we perceive and interact with money.

Digital Natives Leading the Way

Growing up in the digital age, Millennials (born 1981-1996) and Gen Z (born 1997-2012) are inherently comfortable with technology. This familiarity extends to their financial behaviours, with a noticeable inclination toward adopting innovative solutions like cryptocurrencies and blockchain technology.

According to the Grayscale Investments and Harris Poll Report which studied Americans, 44% agree that “crypto and blockchain technology are the future of finance.” Looking more closely at the demographics, Millenials and Gen Z’s expressed the highest levels of enthusiasm, underscoring the pivotal role younger generations play in driving cryptocurrency adoption.

Desire for Financial Empowerment and Inclusion

Economic challenges such as the 2008 financial crisis and the impacts of the COVID-19 pandemic have shaped these generations' perspectives on traditional finance. There's a growing scepticism toward conventional financial institutions and a desire for greater control over personal finances.

The Grayscale-Harris Poll found that 23% of those surveyed believe that cryptocurrencies are a long-term investment, up from 19% the previous year. The report also found that 41% of participants are currently paying more attention to Bitcoin and other crypto assets because of geopolitical tensions, inflation, and a weakening US dollar (up from  34%). 

This sentiment fuels engagement with cryptocurrencies as viable investment assets and tools for financial empowerment.

Influence on Market Dynamics

The collective financial influence of Millennials and Gen Z is significant. Their active participation in cryptocurrency markets contributes to increased liquidity and shapes market trends. Social media platforms like Reddit, Twitter, and TikTok have become pivotal in disseminating information and investment strategies among these generations.

The rise of cryptocurrencies like Dogecoin and Shiba Inu demonstrates how younger investors leverage online communities to impact financial markets². This phenomenon shows their ability to mobilise and drive market movements, challenging traditional investment paradigms.

Embracing Innovation and Technological Advancement

Cryptocurrencies represent more than just investment opportunities; they embody technological innovation that resonates with Millennials and Gen Z. Blockchain technology and digital assets are areas where these generations are not only users but also contributors.

A 2021 survey by Pew Research Center indicated that 31% of Americans aged 18-29 have invested in, traded, or used cryptocurrency, compared to just 8% of those aged 50-64. This significant disparity highlights the generational embrace of digital assets and the technologies underpinning them.

Impact on Traditional Financial Institutions

The shift toward cryptocurrencies is prompting traditional financial institutions to adapt. Banks, investment firms, and payment platforms are increasingly integrating crypto services to meet the evolving demands of younger clients.

Companies like PayPal and Square have expanded their cryptocurrency offerings, allowing users to buy, hold, and sell cryptocurrencies directly from their platforms. These developments signify the financial industry's recognition of the growing importance of cryptocurrencies.

Challenges and Considerations

While enthusiasm is high, challenges such as regulatory uncertainties, security concerns, and market volatility remain. However, Millennials and Gen Z appear willing to navigate these risks, drawn by the potential rewards and alignment with their values of innovation and financial autonomy.

In summary

Millennials and Gen Z are redefining the financial landscape, with their embrace of cryptocurrencies serving as a catalyst for broader change. This isn't just about alternative investments; it's a shift in how younger generations view financial systems and their place within them. Their drive for autonomy, transparency, and technological integration is pushing traditional institutions to innovate rapidly.

This generational influence extends beyond personal finance, potentially reshaping global economic structures. For industry players, from established banks to fintech startups, adapting to these changing preferences isn't just advantageous—it's essential for long-term viability.

As cryptocurrencies and blockchain technology mature, we're likely to see further transformations in how society interacts with money. Those who can navigate this evolving landscape, balancing innovation with stability, will be well-positioned for the future of finance. It's a complex shift, but one that offers exciting possibilities for a more inclusive and technologically advanced financial ecosystem. The financial world is changing, and it's the young guns who are calling the shots.

In the fast-paced world of fintech, standing still means falling behind. At Tap, we've embraced this ethos wholeheartedly, pushing the boundaries of what's possible in digital finance. As we reflect on the first half of this year, we're proud to share a story of relentless innovation, expansion, and customer-centric improvements that have solidified our position as an innovative crypto-fintech player.

A Fresh Face for Finance

Our journey this year began with a seemingly simple yet profoundly impactful change – we gave our card a fresh new look. This was more than just aesthetics; it was a statement. In a world where your card is an extension of your digital identity, we wanted to ensure that every time our users reach for their Tap card, they feel a sense of pride and modernity.

Our community spoke, and we listened. Our users, ever  trendsetters, made it clear: they wanted to flaunt their Tap cards without turning their hands into impromptu privacy screens. The result? A card so sleek, so modern, that it practically begs to be photographed which makes a big difference in today's social media-driven world.

But we didn't stop at the surface. While giving our cards a modern facelift, our engineering dev team was hard at work enhancing our platform's core. We’ve also added a new exchange to our smart router and improved trading execution times. For our users, this means faster, more efficient transactions – because in the world of finance, every second counts.

Unparalleled Rewards - The Game-Changing Cashback Feature

Our standout achievement this year is undoubtedly the launch of our new Cashback feature. Born from the vocal requests of our vibrant community, this feature offers one of the industry-leading Cashback rates of up to 8% on card purchases. It's more than just a perk, it's a game changer that puts real rewards back into our users' pockets with every transaction.

This feature also breathes new life into our native XTP token, creating a symbiotic ecosystem where token holders can unlock even more value. By embedding XTP directly into our Cashback system, we've supercharged its Tokenomics, seamlessly connecting the best of traditional finance and crypto in a way that's simple, rewarding, and user-centric.

Expanding Horizons: Conquering the American Frontier

Our ambition knows no borders, and this year, we've made significant strides in our global expansion, particularly in the USA. This wasn't just another market entry – it was a testament to Tap’s resilience and unwavering commitment to our global vision.

The path to the US market was fraught with challenges. The regulatory landscape in the USA is notoriously complex, and the new government crackdown in early 2023 delayed our expansion plans, halting our launch just one week before it was set to go live. 

While this setback caused many companies to retreat from the jurisdiction, we saw it as an opportunity to demonstrate our adaptability and determination.

In the face of these obstacles, we didn't just persevere – we thrived. We've built a new, updated app platform specifically for our American users, tailored to navigate the intricate regulatory environment while delivering the innovative financial solutions Tap is known for.

Our successful expansion into the USA, despite the hurdles, is more than just a new market entry. It's a clear signal of Tap’s global ambitions and our ability to adapt and excel in even the most challenging environments.

Premium Experiences for Premium Users

Recognising that our users' needs evolve, we've introduced new premium user tiers. These tiers are designed to offer tailored experiences that align with the diverse financial journeys of our users and to fit every taste and budget. This is a reimagining of how financial services can be personalised.

Each plan now includes our brand new Cashback feature, allowing users to earn as they spend, and a dedicated market newsletter to keep them informed and empowered in their financial decisions. From the budget-conscious to the exclusivity seeker, there's now a Tap experience crafted for everyone.

Elevating the User Experience

Many of you requested this add on and that’s why we've introduced a search bar – a simple addition that makes navigating our feature-rich app a breeze. This simple yet effective addition makes it easier for users to find specific features, transactions, or information within the app.

The search functionality helps both new and experienced users navigate our growing range of services more efficiently, saving time and improving overall satisfaction with the app.

As part of our ongoing efforts to provide diverse financial options, we've expanded our cryptocurrency offerings this year. We've added two new tokens to our platform: GALA and YFI, giving our users more choice in their crypto investments.

Additionally, we've introduced an in-app XTP-BTC trading pair. This new feature allows users to conveniently trade between our native token and Bitcoin directly within the Tap app.

Strengthening Our Core: Behind-the-Scenes

While the changes mentioned above are the ones you can see and touch, they're just the tip of the iceberg. Behind the scenes, we've implemented close to 80 improvements that, while not immediately visible, have dramatically enhanced the overall user experience. 

From app fluidity enhancements to reinforced security measures and new provider integrations, we've been working round the clock to make your Tap experience smoother, safer, and more efficient than ever before.

Looking Ahead‍

As we move into the second half of the year, we're more excited than ever about the future of Tap. We're not just a financial app; we're your partner in navigating the complex world of modern finance. 

With every update, every new feature, and every market we enter, we're driven by a single goal: to empower you to get more from your money.

The story of Tap is one of constant evolution, and we're thrilled to have you along for the ride. Here's to the innovations of today and the financial revolutions of tomorrow.

Volatility has become a defining characteristic of the cryptocurrency market, however, it doesn’t need to be a negative thing. As these digital assets experience significant price swings, driven by factors like speculation, regulation changes, and technological developments, this presents a perfect opportunity to potentially generate substantial returns. 

This article explores strategies to capitalise on crypto volatility, including dollar-cost averaging, swing trading, leverage, and arbitrage. By understanding and embracing volatility, investors can navigate the market's ups and downs and potentially unlock rewarding gains in this dynamic landscape. Let’s dive in.

Understanding what volatility is

Volatility in finance refers to how much an asset price moves up and down over time. There’s no denying that cryptocurrency prices are known for being highly volatile and changing a lot in a short time, or that in many cases this has led traders to a rather healthy return on investment. While also synonymous with the stock market, volatility is typically caused by things like investors speculating and trading based on emotions, news stories that impact cryptocurrencies or shares, and uncertainty around government regulations or geopolitical events. 

Since cryptocurrencies are still fairly new and can be traded globally 24/7, their prices tend to swing wildly. These unpredictable price swings are common in crypto markets, so it's important to understand what causes the big ups and downs, how they contribute to greater economic growth, and to understand the importance of having a solid risk management strategy in place. 

Strategies for capitalising on crypto volatility

No matter which currency you are trading, one common strategy in taking advantage of volatility is dollar-cost averaging (DCA), this means investing a fixed amount at regular intervals regardless of price. DCA allows you to buy more when prices are low and less when prices are high, smoothing out the impact of volatility over time. For example, investing $100 weekly into Bitcoin.

Another approach is buying the dips, purchasing after a price drop, aiming to get in at lower levels. However, trying to "catch a falling knife" by buying too early carries risks. Technical analysis can help identify potential dip-buying opportunities for finding the best value.

Taking profits during rallies is also a key strategy used by investors. This involves setting target prices to sell portions of your holdings allowing you to secure gains amid volatility. A trailing stop-loss strategy can automate this, selling if prices retrace a set percentage from recent highs. It's important to remember that this strategy needs to be monitored and adjusted according to market movements.

Don't put all your eggs in one crypto basket. Diversification is crucial for managing risk in volatile markets. Spread investments across various cryptocurrencies, stablecoins, and asset classes like stocks to buffer volatility's impacts.

While lucrative opportunities exist in crypto volatility, appropriate risk management is crucial. Start small, learn strategies gradually, and as the trading law goes: never risk more than you can afford to lose.

The importance of proper risk management

Managing risk carefully and having an effective risk management plan in place is very important when trading cryptocurrencies like Bitcoin, Ethereum and other altcoins. Using stop-loss orders to automatically exit losing trades and sizing your position properly for your account size can help limit losses. However, be cautious about overtrading or putting too much money into extremely volatile crypto assets. Having too much exposure increases your risks dramatically and may cost you in the long run.

Instead, make sure that you diversify your portfolio and follow a disciplined trading plan as responsible risk management protects your capital and helps ensure long-term success in this unpredictable market.

Conclusion

While volatility defines the cryptocurrency market, it also presents opportunities for savvy investors. By embracing strategies like dollar-cost averaging, buying dips, taking profits during rallies, and diversifying across assets, you can navigate volatility's ups and downs. However, proper risk management through stop losses, position sizing, and avoiding overexposure is paramount. 

Start small, learn gradually, and never risk more than you can afford to lose. With discipline and a solid strategy, you can unlock crypto volatility's potential rewards while mitigating risks in this dynamic landscape. The key is understanding volatility's drivers and harnessing its power through proven tactics. Approach with caution, but don't let volatility's roller coaster scare you away from crypto's wealth-building possibilities.

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Much like traditional ATMs, Bitcoin ATMs are specialized ATMs that allow users to buy or sell Bitcoin using cash, bank transfers or debit cards. These machines provide a convenient way to exchange traditional currency for cryptocurrency, or vice versa. In this article, we’re doing a deep dive on everything you need to know about using Bitcoin ATMs, including how to find one.  

The benefits of using a Bitcoin ATM

There are a number of reasons one might look to use a Bitcoin ATM instead of an exchange or wallet app. 

• Accessibility & Convenience

Easily buy and sell Bitcoin without complex online processes.
Located in high-traffic areas, easy to access.

• Instant transactions

No waiting for bank transfers or exchange processing.

• No bank account needed

Accessible to unbanked or underbanked individuals.
Provides a reliable option where traditional banking is unavailable.

Security concerns when using a Bitcoin ATM

Bitcoin ATMs offer a quick, accessible way to enter the cryptocurrency market, especially for those seeking more privacy or lacking traditional banking options. However, there are also downsides one should be aware of:

• Fraud and theft risks

ATMs can be targets for criminals. Always be aware of your surroundings and use ATMs in well-lit, public areas. 

• Secure your Bitcoin wallet

Ensure that your Bitcoin wallet is ironclad, using strong passwords with two-factor authentication. Also, ensure that if using an exchange wallet that the platform is reliable and regulated.

• Tips for safe Bitcoin ATM transactions

• Verify all transaction details before confirming
• Don’t share sensitive information with anyone
• Don't accept help from strangers
• Keep your receipt
• Monitor your wallet for discrepancies

By staying alert and following these precautions, you can safely use Bitcoin ATMs while minimizing security risks.

Fees associated with using a Bitcoin ATM

Bitcoin ATM fees typically consist of transaction fees (usually a percentage) and network fees for Bitcoin transfers. These rates can vary significantly between ATMs and operators, so it's best to use online comparison tools to find the best deals. 

To minimize costs, consider using ATMs with lower fees, even if they're less convenient. And note that conducting larger transactions can reduce the impact of flat fees, while alternative methods might be more cost-effective for smaller amounts. 

Keep in mind that Bitcoin ATM fees are generally higher than those on online exchanges, so always check the fee structure before transacting to avoid unexpected costs. 

How to find a Bitcoin ATM near me

Finding a Bitcoin ATM near you is easier than you might think, with various online tools and local resources at your disposal. Whether you prefer using Google, mobile apps, or exploring your local area, there are multiple ways to find a Bitcoin ATM near you.

1. Online directories and maps

• Use websites like Coin ATM Radar or Bitcoin.com ATM Map 

• Enter your location to find nearby ATMs 

• Filter results by buy/sell options and supported cryptocurrencies

2. Mobile apps

• Download apps like Bitcoin ATM Map or CoinATMRadar 

• Enable location services for real-time nearby ATM info 

• Get directions and ATM details on-the-go

3. Local businesses and retail locations

• Check convenience stores, gas stations, and shopping malls 

• Ask cryptocurrency-friendly businesses for recommendations 

• Look for Bitcoin ATM signage in high-traffic areas

Remember to verify the ATM's legitimacy and compare fees before you use one. Not all Bitcoin ATMs are created equal, do your research. 

How to use a Bitcoin ATM for buying/selling crypto

Once you’ve DYOR and found a reliable Bitcoin ATM, using it is straightforward. To buy or sell cryptocurrency, start by selecting your transaction type on the machine's interface. 

You'll typically need to verify your identity by scanning an ID or entering a phone number, depending on the amount you’d like to buy or sell and your local regulations. Next, enter your wallet address or scan its QR code. 

For buying, insert cash and for selling, send Bitcoin to the provided address. Once the transaction is processed, you'll receive a confirmation and receipt. Keep this safe until the Bitcoin has been deposited into your wallet.

As with any crypto transaction, always double-check all details before finalizing your transaction.

An easier alternative: Tap into the future

Why hunt for Bitcoin ATMs when you can have an all in one crypto app in your pocket? The Tap app revolutionizes how you can buy and sell cryptocurrencies. No more searching for ATMs or carrying cash - simply open the app and trade a wide range of digital assets instantly. 

With high-grade security and the freedom to transact anywhere, anytime, Tap offers unparalleled convenience. Enjoy lower fees, a sleek interface, and portfolio management in one secure location (your phone).

Whether you're a crypto novice or a seasoned trader, Tap delivers a seamless experience that traditional ATMs can't match. Ready to upgrade your crypto game? Tap into the future of digital asset trading.

The crypto market has entered a phase that veterans often call the "boring zone." It's a time when:

• Bitcoin's price seems stuck, fluctuating between $50,000 and $70,000 for months.
• Altcoins are in an even deeper slumber, with many down 50-80% from their peaks.
• Trading volumes on major exchanges have plummeted, dropping 30% from the last bull market's heights.

Sound familiar? It should. This lull is a recurring theme in the crypto market cycle, and historically, it's often the calm before the storm. It’s also a common attribute after a recent Bitcoin halving. 

Let's look at what happened after previous Bitcoin halvings:

• 2012 Halving: 92 days until new all-time high
• 2016 Halving: 291 days until new all-time high
• 2020 Halving: 216 days until new all-time high

For perspective, 28 July 2024 marks 100 days from the most recent halving, with 25 February 2025 marking the 300-day mark. 

The power of patient investing

Investing in cryptocurrencies over longer time horizons can be likened to early-stage venture investing, where patience could potentially lead to significant returns. While past performance doesn't guarantee future results, historical examples like Ethereum and Solana demonstrate this potential. 

Ethereum, launching at less than $1 in 2014, and Solana, starting below $1 in 2020, have since seen their values grow to over $3,000 and $140 respectively as of early 2024.

In the crypto space, what’s known as the HODL approach, emphasises the power of time and compound growth, similar to that of traditional asset classes. The idea is straightforward: if you've taken a position in a project you believe has strong fundamentals, maintaining that position through periods of high volatility could potentially lead to significant gains.

To illustrate this point further, in 2010, Bitcoin was worth less than $0.01. By April 2024, it had reached around $70,000. An investor who bought $100 worth of Bitcoin in 2010 and held it until 2024 would have seen their investment grow to millions of dollars.

Strategies for surviving (and thriving) in the "boring zone"

During quiet periods in crypto dive deeper into blockchain fundamentals, research promising projects, instead of anxiously checking prices or reacting to every piece of news, use this time productively.

Alternatively, for those with capital to invest, dollar-cost averaging (DCA) could be something to consider. A Vanguard study found that DCA outperformed lump-sum investing in 68% of cases during market downturns, highlighting its potential effectiveness in notoriously volatile markets.

Know with certainty that this "boring zone" is often temporary. Based on previous cycles, we might see a new Bitcoin all-time high in 30 to 150 days, and once Bitcoin breaks its previous record, top altcoin projects have historically seen gains of 200% to 1,000%.

By staying patient and disciplined during quiet periods, you can be prepared for potential opportunities that may arise as the crypto market evolves. Remember, while historical patterns offer insights, they don't guarantee future results, but these historical patterns are worth considering as you plan your strategy.

We get it, the waiting game is hard

Holding onto your crypto during boring market times can be tougher than you'd think. When prices aren't moving much, it's easy to get antsy or start doubting your choices. But keeping a cool head and being rational is key to long-term success.

First off, remember why you got into crypto in the first place. Was it the tech? The potential? Keep that big picture in mind. It helps to set realistic expectations too - crypto's known for its ups and downs, so flat periods are normal.

Try to limit how often you check prices. Constantly peeking at your portfolio can drive you nuts during slow times. Instead, focus on other parts of your life or dive deeper into learning about blockchain.

Connecting with other crypto fans can help too. Chat about ideas, not just prices. And don't forget to celebrate small wins - even if the market's quiet, projects are still developing and growing.

Stay patient, stay curious, and remember: in crypto, today's boredom could be tomorrow's excitement.

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Είστε δικαιούχος κρατικής βοήθειας στην Ελλάδα αλλά δεν είστε σίγουροι πώς να την αποκτήσετε; Οι ημέρες των χάρτινων κουπονιών και των μεγάλων ουρών έχουν τελειώσει. Καλώς ήρθατε στην εποχή της Ψηφιακής Άυλης Κάρτας – ένας σύγχρονος, αποτελεσματικός τρόπος για να λαμβάνετε και να χρησιμοποιείτε κρατικά επιδόματα.

Σε αυτό το άρθρο, θα σας καθοδηγήσουμε σε όλα όσα πρέπει να γνωρίζετε για το νέο ψηφιακό σύστημα κουπονιών της Ελλάδας. Από την κατανόηση του τι είναι η άυλη κάρτα, μέχρι τον έλεγχο της επιλεξιμότητάς σας και την εκμάθηση του τρόπου χρήσης της για τις καθημερινές σας ανάγκες.

Ας ξεκινήσουμε από την αρχή.

Τι είναι μια άυλη ψηφιακή κάρτα;

Η Άυλη Κάρτα για κρατικά κουπόνια είναι μια ψηφιακή μέθοδος πληρωμής που εισήγαγε η ελληνική κυβέρνηση για τη διανομή οικονομικής βοήθειας και επιδομάτων σε επιλέξιμους πολίτες. Αυτό το σύστημα αντικαθιστά τα παραδοσιακά χάρτινα κουπόνια ή τις άμεσες τραπεζικές μεταφορές με μια εικονική κάρτα που μπορεί να χρησιμοποιηθεί για συγκεκριμένους σκοπούς.

Με στόχο τον εκσυγχρονισμό και την απλοποίηση της διανομής κρατικής βοήθειας, αυτό το σύστημα προσφέρει επίσης μεγαλύτερο έλεγχο στον τρόπο χρήσης των κονδυλίων. Αποτελεί μέρος των προσπαθειών της Ελλάδας για την ψηφιοποίηση των δημόσιων υπηρεσιών και τη βελτίωση της αποτελεσματικότητας των προγραμμάτων κοινωνικής πρόνοιας.

Καθώς η κάρτα υπάρχει μόνο σε ψηφιακή μορφή και συνήθως προορίζεται για συγκεκριμένους σκοπούς, όπως η αγορά τροφίμων, η πληρωμή λογαριασμών κοινής ωφέλειας ή η κάλυψη ιατρικών εξόδων, η περιορισμένη χρήση της κάρτας βοηθά στην ελαχιστοποίηση της κατάχρησης και της απάτης σε σύγκριση με τα παραδοσιακά συστήματα κουπονιών.

Μετά την έγκριση, αυτά τα κουπόνια είναι προσβάσιμα μέσω ψηφιακών καρτών από τις ακόλουθες τρεις τράπεζες: Viva Wallet, Eurobank και Alpha Bank. Οι δικαιούχοι δεν χρειάζεται να είναι πελάτες των αναφερόμενων ιδρυμάτων για να λάβουν μια ψηφιακή χρεωστική κάρτα.

Παραδείγματα κρατικών κουπονιών

Κατά τη στιγμή της συγγραφής, τα ακόλουθα κουπόνια ήταν διαθέσιμα στους επιλέξιμους πολίτες. Παρακάτω υπάρχει μια σύντομη περιγραφή για το ποιον αφορά κάθε κουπόνι και τους λόγους πίσω από αυτό. Παρακαλούμε επισκεφθείτε το https://vouchers.gov.gr/ για να βρείτε τα πιο πρόσφατα διαθέσιμα κουπόνια.

Thessaly - Evros Pass 2024: Οικονομική υποστήριξη για άτομα με στόχο την ενίσχυση του τουρισμού στις πληγείσες περιοχές.

Rodos Week: Οικονομική βοήθεια για άτομα που εκκενώθηκαν από ξενοδοχεία κατά τη διάρκεια των πυρκαγιών στη Ρόδο τον Ιούλιο του 2023.

Youth Pass: Ενθαρρύνει τη συμμετοχή των νέων σε πολιτιστικές και τουριστικές δραστηριότητες και προωθεί τις ηλεκτρονικές συναλλαγές.

Dentist Pass: Προληπτική οδοντιατρική φροντίδα για παιδιά ηλικίας 6-12 ετών.

Τουρισμός για Όλους 2024: Ενισχύει τον εγχώριο τουρισμό για να υποστηρίξει τα ελληνικά νοικοκυριά και τις επιχειρήσεις εν μέσω πληθωρισμού.

Αμάλθεια: Υποστήριξη για κτηνοτρόφους νησιών για την κάλυψη του αυξημένου κόστους ζωοτροφών.

Μπορώ να αποκτήσω μια άυλη κάρτα;

Η επιλεξιμότητα για αυτές τις κάρτες συνήθως εξαρτάται από διάφορους κοινωνικοοικονομικούς παράγοντες. Γενικά, Έλληνες πολίτες και νόμιμοι κάτοικοι που αντιμετωπίζουν οικονομικές δυσκολίες, όπως οικογένειες χαμηλού εισοδήματος, άνεργοι, συνταξιούχοι με ελάχιστο εισόδημα και άτομα με αναπηρίες, μπορούν να υποβάλουν αίτηση.

Η κυβέρνηση συχνά θέτει συγκεκριμένα εισοδηματικά όρια και λαμβάνει υπόψη παράγοντες όπως το μέγεθος της οικογένειας, το κόστος στέγασης και ειδικές περιστάσεις κατά τον καθορισμό της επιλεξιμότητας. Ωστόσο, είναι σημαντικό να σημειωθεί ότι τα κριτήρια μπορεί να αλλάξουν με βάση τις τρέχουσες κυβερνητικές πολιτικές και τη διαθέσιμη χρηματοδότηση, οπότε συνιστάται πάντα να ελέγχετε τις πιο πρόσφατες πληροφορίες στον επίσημο κυβερνητικό ιστότοπο.

Αξίζει επίσης να σημειωθεί ότι ορισμένα κουπόνια είναι σχεδιασμένα ειδικά για συγκεκριμένες ηλικιακές ομάδες, π.χ. το Dentist Pass είναι διαθέσιμο μόνο για παιδιά ηλικίας 6-12 ετών. Κάθε κουπόνι θα καθορίζει ακριβώς για ποιον προορίζεται και ποια κριτήρια πρέπει να πληρούνται για να υποβάλετε αίτηση.

Πώς μπορώ να αποκτήσω μια άυλη κάρτα;

Πρώτα, θα πρέπει να υποβάλετε αίτηση για το συγκεκριμένο κουπόνι που αναζητάτε κάνοντας κλικ σε αυτό και ακολουθώντας τις οδηγίες. Θα πρέπει να βεβαιωθείτε ότι πληροίτε όλες τις προϋποθέσεις και να υποβάλετε τα σωστά έγγραφα, που μπορεί να περιλαμβάνουν ταυτότητα, απόδειξη κατοικίας, δηλώσεις εισοδήματος και οποιαδήποτε άλλα σχετικά έγγραφα, κατά τη διάρκεια της διαδικασίας.

Κατά την υποβολή αίτησης για το κουπόνι σας, βεβαιωθείτε ότι έχετε επιλέξει την επιλογή ψηφιακής χρεωστικής κάρτας. Η επιλογή άμεσης τραπεζικής πληρωμής θα έχει ως αποτέλεσμα χρέωση 20%, που σημαίνει ότι θα λάβετε μόνο το 80% του δικαιούμενου ποσού. Μόλις υποβληθεί, η σχετική κυβερνητική υπηρεσία θα εξετάσει την αίτησή σας και μόλις εγκριθεί, η τράπεζα που επιλέξατε, Alpha Bank, Eurobank ή Viva Wallet, θα σας ειδοποιήσει μέσω email ή μέσω εφαρμογής για να ολοκληρώσετε τη διαδικασία.

Ακολουθήστε τις οδηγίες που παρέχονται για να ενεργοποιήσετε την κάρτα σας.

Πώς μπορώ να χρησιμοποιήσω την άυλη κάρτα μου για τα κρατικά κουπόνια;

Η τράπεζα που επιλέξατε θα σας εκδώσει μια ψηφιακή κάρτα που περιέχει τα κεφάλαια που σας χορηγήθηκαν. Συνήθως, θα έχετε πρόσβαση σε αυτά τα κεφάλαια μέσω μιας ειδικής εφαρμογής ή μιας ασφαλούς διαδικτυακής πύλης. Αφού συνδεθείτε, θα μπορείτε να δείτε το υπόλοιπό σας, το ιστορικό συναλλαγών και τυχόν ειδοποιήσεις για νέες καταθέσεις κεφαλαίων.

Πού μπορώ να χρησιμοποιήσω την άυλη κάρτα μου; 

Η κάρτα μπορεί γενικά να χρησιμοποιηθεί σε ένα ευρύ δίκτυο εγκεκριμένων εμπόρων και παρόχων υπηρεσιών, ανάλογα με τις λεπτομέρειες του κουπονιού που λάβατε. Αυτό το δίκτυο συχνά περιλαμβάνει σούπερ μάρκετ, παντοπωλεία, φαρμακεία και εταιρείες κοινής ωφέλειας. Ορισμένα προγράμματα μπορεί επίσης να επιτρέπουν τη χρήση σε ορισμένα καταστήματα ρούχων, βιβλιοπωλεία ή για τις δημόσιες συγκοινωνίες.

Πώς να πληρώσω με μια άυλη κάρτα; 

Για να κάνετε μια αγορά, ίσως χρειαστεί να δείξετε έναν κωδικό QR από την εφαρμογή σας, να χρησιμοποιήσετε έναν εικονικό αριθμό κάρτας για διαδικτυακές συναλλαγές, ή να ακουμπήσετε το τηλέφωνό σας σε συμβατά τερματικά πληρωμών όταν είναι φορτωμένο στο Apple Pay ή το Google Pay.

Πριν ενθουσιαστείτε υπερβολικά, είναι σημαντικό να κατανοήσετε τους περιορισμούς στη χρήση της κάρτας σας. Τα κεφάλαια προορίζονται συνήθως για συγκεκριμένους σκοπούς, όπως τρόφιμα, φάρμακα ή πληρωμή λογαριασμών, που σημαίνει ότι δεν μπορείτε να κάνετε ανάληψη μετρητών ή να μεταφέρετε τα χρήματα σε προσωπικό τραπεζικό λογαριασμό. Το αλκοόλ, ο καπνός και τα είδη πολυτελείας συνήθως εξαιρούνται από τις επιλέξιμες αγορές.

Επιπλέον, μπορεί να υπάρχουν ημερήσια ή μηνιαία όρια δαπανών, ελέγχετε πάντα τις τρέχουσες οδηγίες που παρέχονται από τον εκδότη οργανισμό.

Βήμα προς το μέλλον

Ενώ το ψηφιακό σύστημα καρτών της ελληνικής κυβέρνησης φέρνει επανάσταση στη διανομή βοήθειας, παρόμοιες καινοτόμες οικονομικές λύσεις είναι πλέον διαθέσιμες για τα προσωπικά σας οικονομικά. 

Εισάγετε το Tap, έναν σύγχρονο πάροχο οικονομικών υπηρεσιών που προσφέρει ψηφιακές και φυσικές κάρτες εκτός του παραδοσιακού τραπεζικού συστήματος.

Τί είναι η Tap κάρτα και πώς λειτουργεί;

Όπως και η άυλη κάρτα της κυβέρνησης, το Tap σας παρέχει μια ευέλικτη ψηφιακή κάρτα που μπορείτε να την διαχειριστείτε εξ ολοκλήρου μέσω μιας εφαρμογής για smartphone, επιτρέποντάς σας άμεσα να ξοδεύετε διάφορα νομίσματα σε ευρώ ή λίρες (ανάλογα την χώρα), τόσο fiat όσο και κρυπτονομίσματα. Ωστόσο, το Tap πηγαίνει ένα βήμα παραπέρα δίνοντάς σας πλήρη έλεγχο των προσωπικών σας κεφαλαίων, χωρίς τους περιορισμούς που συνήθως συνδέονται με τις κρατικές κάρτες βοήθειας.

Αυτό σημαίνει ταχύτερη εγκατάσταση, λιγότερες χρεώσεις και μεγαλύτερη ευελιξία στη διαχείριση των χρημάτων σας, όλα από μία ρυθμιζόμενη και ασφαλή τοποθεσία. Αν βρήκατε βολικό το ψηφιακό σύστημα καρτών της κυβέρνησης, φανταστείτε να έχετε την ίδια ευκολία χρήσης για όλες τις οικονομικές σας ανάγκες.

Αποκτείστε την δωρεάν κάρτα Tap σήμερα.

Για να εκμεταλλευτείτε αυτό το μέλλον, κατεβάστε την εφαρμογή, δημιουργήστε έναν λογαριασμό και ολοκληρώστε τη διαδικασία επαλήθευσης ταυτότητας για να ξεκινήσετε. Μόλις εγκριθείτε, αποκτάτε πρόσβαση σε διάφορα πορτοφόλια fiat και κρυπτονομισμάτων, καθώς και στη δωρεάν κάρτα Tap, απλά ζητήστε μία μέσω της εφαρμογής. Αν προτιμάτε μια πιο premium κάρτα με σχετικά οφέλη (συμπεριλαμβανομένων υψηλότερων ανταμοιβών επιστροφής μετρητών), ακολουθήστε τις οδηγίες στην εφαρμογή.

Η κάρτα θα παραδοθεί στη διεύθυνση που επιλέξατε, την οποία μπορείτε στη συνέχεια να διαχειριστείτε μέσω της εφαρμογής και να χρησιμοποιήσετε σε όλο τον κόσμο.

Για περισσότερες πληροφορίες, επισκεφθείτε τον ιστότοπό μας ή επικοινωνήστε μαζί μας.

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