Learning the friendly way

As cryptocurrencies grow in popularity and adoption, they are fast becoming a household term, a norm if you will. 2021 was a big year for digital assets, with the entire market cap exceeding $3 trillion, institutional investment at its highest, and countries like El Salvador declaring Bitcoin as a legal tender. 

On top of this financial institutions around the world are incorporating the asset class into their balance sheets and many are exploring the concept of CBDCs (central bank digital currencies). As digital assets become increasingly integrated into our daily lives and a more popular option for the customer, it's time we harness the power of this nascent technology. 

What is crypto as a service (CaaS)? 

CaaS stands for Crypto as a Service and is a white-label solution for businesses and financial institutions that want to provide cryptocurrency services to their consumers. CaaS is essentially banking as a service for digital currencies.

CaaS works as a simple plug-and-play system for businesses wanting to provide their customers with digital assets trading, brokerage and custody services. Customers can interact with the services directly, without having to go through the providing company.

This infrastructure can then be used by any platform, from fintech, bank, or financial services businesses, as well as be integrated into mobile applications.

Given that asset managers manage £6.6 trillion in the United Kingdom alone, and that listed company values reach a staggering $93 trillion overall, the potential to offer traditional institutions with crypto cloud services is huge. As banking as a service has taken off, the expectation is that CaaS is going to follow its lead.

How does CaaS work?

The Crypto as a Service solution allows businesses and financial institutions, such as neobanks, to establish new revenue streams by providing a simple means for their customers to engage in crypto payments and the digital assets market. The consumer will be able to:

• Buy and sell digital assets
• Pay for goods and services using their digital wallet
• Securely store cryptocurrencies

The companies providing these services also receive access to highly secure and compliant transaction data monitoring and risk management systems. They will also be responsible for developing the global payments user interface, as CaaS functions as a back-end-only tool.

This ensures that the crypto services are entirely aligned with the brand, and do not appear to be a third party intervention. Through this interface, users can engage in crypto payments and manage crypto funds.

The main company providing Crypto as a Service will be responsible for aspects like KYC/AML, order processing, transaction monitoring, and digital assets custody, relevant to each jurisdiction.

For example, the regulatory requirements will be different in the United States and United Kingdom. This will establish the underlying trust when it comes to new customers engaging in crypto markets and other asset classes. These innovative business models are revolutionising the way in which people around the world can engage in decentralized finance without the risk.

Who would use CaaS?

Crypto as a Service allows regulated central banks and fintech firms to enable their customers to invest, store, trade, and pay in crypto. As these businesses offer cryptocurrency services they too can open new revenue streams.

The technology provider will also allow pension funds and asset managers to invest in Bitcoin and the greater crypto ecosystem on behalf of their clients. This new technology generates increased cash flow for businesses and an increased demographic of users.

Remittance firms will be able to send cross-border payments for a fraction of the cost while gaming companies, e-retailers, and brands can all begin utilizing digital wallets to allow their clients to make purchases in cryptocurrency and an overall improved experience.

CaaS is designed to assist any business looking to innovate their global payments system and enter the global market with crypto services.

Tap's CaaS service

Tap provides businesses with a reliable Crypto as a Service service that allows the company to leverage their already existing infrastructure and incorporate cryptocurrencies. The leading plug-and-play solution easily integrates into the company's hardware and allows any business to tap into a new demographic of crypto-interested customers and level of efficiency.

As we saw a demand for businesses looking to integrate cryptocurrencies into their already established models, these collaborative services were the logical next step.

Through the on-demand Crypto as a Service service, we are able to deliver another layer of crypto services on top of our already established mobile app.

With Tap's high-performance CaaS services, businesses are able to provide their customers with instant access to the crypto sector, with a secure and convenient means of buying, selling, and trading cryptocurrencies as well as access to a yield-generating wallet (a crypto savings account).

While a crypto exchange can take a minimum of two years to build, our CaaS can be implemented in a few weeks. Tap also holds the necessary regulatory compliance and insurance required for companies offering this level of service in the crypto environment.

The integration of these services removes the workload of managing cryptocurrencies and allows your business to focus on more scalable endeavors. No blockchain expertise needed.

To learn more or for more information, please visit our website and contact us should you wish to incorporate this level of innovation into your business.

Closing Thoughts

The greatest obstacle in the path to global crypto adoption is the belief that crypto is too volatile and that it lacks regulation.

While the markets are known to engage in volatile price movements, the understanding is that once regulatory frameworks are imposed this will be curbed.

Government bodies around the world are working to achieve this, as cryptocurrencies have firmly become a permanent feature on the greater financial landscape. As banking as a service (BAAS) has taken off, in light of the rise in crypto adoption, CaaS is the next step forward.

Crypto as a Service aims to provide both access and education to those looking to incorporate this crypto-centered product into their business and lives and integrate themselves into the digital asset ecosystem. Be sure to find a reputable platform that provides CaaS services with an easy-to-integrate API and high regulatory standards.

These crypto-powered products and services will assist the general public with becoming more familiar with the technology while allowing those already interested in harnessing and leveraging their crypto portfolios. After all, cryptocurrencies and the greater asset class are here to stay.

Bitcoin versus gold: it's like asking whether you prefer chocolate or vanilla ice cream, except the stakes feel a bit higher when we're talking about assets that people use to preserve wealth.

This comparison has become one of the most fascinating conversations in modern finance. You'll find everyone from your tech-savvy nephew to seasoned Wall Street veterans weighing in on this debate. The reason it captures so much attention? Both assets serve similar purposes for many people in that they're often viewed as alternatives to traditional currencies and ways to maintain value over time.

Media outlets regularly feature this matchup, and it's not hard to see why. We're essentially watching a clash between the old guard and the new kid on the block, between something you can hold in your hands and something that exists purely in the digital realm.

Similarities between Bitcoin and gold

Before we dive into their differences, let's talk about what these two have in common, and honestly, it's more than you might think.

Both Bitcoin and gold operate like that friend who marches to the beat of their own drum. They don't need permission from central banks or governments to exist. Gold has been doing its own thing for thousands of years, while Bitcoin has been independently chugging along since 2009, free from the control of any single authority.

Here's where it gets interesting: both are naturally scarce. There's only so much gold buried in the earth, and Bitcoin has a built-in limit of 21 million coins. It's like having a limited-edition collectible - the scarcity is part of what makes people pay attention.

This is where the "digital gold" nickname comes from. People started calling Bitcoin this because, like gold, it's rare, it's not controlled by governments, and many view it as a way to store value. It could be gold's tech-savvy cousin who traded in the physical form for a digital existence.

Both assets have also been described as stores of value, meaning people turn to them when they want to preserve their purchasing power over time. The idea is that what you put in today will still hold meaningful value tomorrow.

Differences in utility and form

Gold has been humanity's companion for millennia. You can touch it, wear it, and even use it in your smartphone (yes, there's actually gold in there!). Industries rely on gold for everything from electronics to medical equipment. Central banks stack it in their vaults like a financial security blanket, and jewellers craft it into pieces that mark life's special moments.

Bitcoin, on the other hand, exists purely in the digital world. You can't hold it, but you can send it across the globe faster than you can say "blockchain." It's supported by a network of computers that work together to verify transactions, creating a system that operates 24/7 without taking coffee breaks.

Think of gold as the sturdy oak tree: deeply rooted, physically present, and serving multiple purposes. Bitcoin is more like the wind: you can't see it, but you can feel its effects, and it moves with incredible speed and efficiency.

Historical trends and market behaviour

Let’s take a look at how these assets have behaved over time.

Gold has earned a reputation as the steady friend who shows up when times get tough. During economic uncertainty, gold often sees increased interest as people seek stability. 

Bitcoin, meanwhile, is known for its dramatic personality. It can swing from exhilarating highs to stomach-dropping lows, sometimes within the same week. This volatility means Bitcoin can experience significant price movements: some days it feels like it's reaching for the stars, other days it seems to be taking a scenic route through the valleys.

These different personalities mean they each attract different types of attention and serve different roles in people's financial lives.

Reactions to global events

Nothing reveals character quite like a crisis, and both Bitcoin and gold have had their share of testing moments.

During the 2008 financial crisis, gold saw increased demand as people sought alternatives to traditional investments. When the COVID-19 pandemic hit in 2020, gold initially attracted attention as uncertainty gripped global markets.

Bitcoin has had its own unique responses to global events. During certain periods of economic uncertainty, some have turned to Bitcoin as an alternative. However, during market stress, Bitcoin has sometimes moved in unexpected directions, reminding everyone that this digital asset often writes its own rules.

Inflationary periods have also provided interesting case studies. Gold has historically been viewed as a hedge against inflation, while Bitcoin's response has been more varied and unpredictable. The Bitcoin vs gold debate is essentially watching two different strategies play out in real-time.

Adoption and access

The way people access these assets tells its own story about our changing world.

Bitcoin has recently been making headlines with the introduction of exchange-traded funds (ETFs), making it easier for traditional investors to gain exposure without having to figure out digital wallets and private keys. 

The digital nature of Bitcoin means you can access it from anywhere with an internet connection. No need to worry about storage space or security guards - just remember your password (and any other safeguards you have in place).

Gold, meanwhile, has the advantage of thousands of years of infrastructure. Banks have vaults, dealers have established networks, and there's a whole industry built around buying, selling, and storing the precious metal. 

Risks and transparency

Every asset comes with its own set of considerations, and both Bitcoin and gold have their unique profiles.

Bitcoin operates in a world where regulations are still being written. There are also cybersecurity considerations, as digital assets exist in a realm where hackers and technical glitches can pose risks.

Gold has more traditional concerns. Storage and insurance can be costly, and there's always the physical risk of theft or damage. You need to think about where to keep it safe and how to protect it.

Both assets have their own transparency characteristics. Bitcoin transactions are recorded on a public ledger that anyone can view, while gold transactions often happen through traditional channels with varying levels of public visibility.

Perspectives from experts

The financial world is full of smart people with different opinions, and this topic certainly brings out diverse viewpoints.

Institutions like BlackRock have entered the Bitcoin space with ETF offerings, suggesting growing institutional interest. While the CME Group, which offers futures contracts for both assets, has observed how institutional trading has evolved for each. 

These expert perspectives form part of a broader ongoing conversation about how these assets might fit into the modern financial landscape.

What's fascinating is how these viewpoints continue to evolve as both assets mature and as global economic conditions change.

Framing the question: what role might each play?

Rather than asking which is "better," perhaps the more interesting question is: what role might each play in different contexts?

Consider what qualities matter most to you in a store of value. Are you drawn to the tangible nature of physical assets, or does the digital convenience appeal to you? How do you feel about volatility: is it something you can live with, or do you prefer steadier movements?

The answer often depends on individual circumstances, goals, and comfort levels. Some people find comfort in gold's long history, while others are excited by Bitcoin's technological innovation. Some appreciate gold's physical nature, while others value Bitcoin's portability and accessibility.

These aren't questions with universal answers, they're personal considerations that vary from person to person.

Final thoughts

The Bitcoin versus gold discussion continues to evolve as both assets mature and as our understanding of their roles in modern finance deepens. Rather than viewing this as a winner-take-all scenario, perhaps the most interesting approach is to understand how each asset's unique characteristics might serve different purposes in our increasingly complex financial world.

What matters most is understanding your own needs, risk tolerance, and goals before making any financial decisions. After all, the best asset is the one that aligns with your personal circumstances and financial objectives.

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Orca is a user-friendly decentralised exchange (DEX) built on the Solana blockchain that uses an automated market maker (AMM) system to offer fast trades with low fees, all while giving its community a real voice in how the platform evolves.

Like walking into a bustling marketplace where, instead of shouting vendors and haggling customers, everything runs smoothly through an automated system that finds you the best deals instantly. Sounds delightful, right? Let’s get into the nitty-gritty.

TLDR

• Solana-powered DEX: Built on Solana's fast, cheap blockchain using an automated market maker (AMM) model
• User-first approach: Prioritises ease of use with intuitive design and helpful trading tools
• ORCA token utility: Powers governance voting, incentivises liquidity provision, and can be earned through yield farming
• Advanced features: Includes Concentrated Liquidity AMM (CLAMM) and Aquafarms for enhanced trading and earning
• Community-driven: Emphasises democratic governance and environmental responsibility through various initiatives

What is Orca (ORCA) and how does it work?

Think of Orca as the friendly neighbourhood exchange that actually cares about making crypto trading accessible to everyone, not just the tech-savvy crowd. While traditional exchanges can feel like navigating a spaceship control panel, Orca feels more like using a well-designed app that just makes sense (yes, just like Tap).

Orca as a Decentralised Exchange (DEX)

Orca operates as a decentralised exchange on the Solana blockchain. Solana's infrastructure allows Orca to process transactions in seconds rather than minutes, and for pennies instead of dollars. This means you can swap tokens without the frustrating wait times and high fees that plague many other platforms.

The beauty of a DEX like Orca is that there's no central authority holding your funds or making arbitrary decisions about what you can trade. It's like having a marketplace that runs itself, with smart contracts handling all the heavy lifting while you maintain complete control over your assets.

How the Automated Market Maker (AMM) works

Here's where things get interesting. Traditional exchanges work like a stock market, matching buyers with sellers through order books. But AMMs flip this concept. Instead of waiting for someone else to want exactly what you're selling at the price you want, AMMs use liquidity pools filled with pairs of tokens.

Picture a swimming pool filled with equal amounts of two different tokens. When you want to trade, you throw one token into the pool and automatically receive the other based on a mathematical formula. The more of one token you add, the more expensive it becomes relative to the other, just like supply and demand in any market.

Orca takes this concept further with something called Concentrated Liquidity Automated Market Maker (CLAMM). Think of it as a smarter pool that focuses its resources where most trading happens, making your trades more efficient and profitable for everyone involved. It's like having a pool that automatically adjusts its depth based on where people are actually swimming.

What makes Orca unique?

In a sea of decentralised exchanges, Orca swims against the current by actually caring about user experience. While many DEXs seem designed by developers for developers, Orca feels like it was built by people who remember what it's like to be confused by crypto.

Fair price indicator & magic bar

One of Orca's standout features is its Fair Price Indicator, which acts like a friendly warning system that taps you on the shoulder when you're about to make a trade at a bad price. Nobody likes that sinking feeling of realising they paid way too much for something, and Orca's system helps prevent those "ouch" moments.

The Magic Bar is another thoughtful touch that makes finding tokens feel less like a scavenger hunt and more like a simple search. Instead of memorising complex contract addresses or hoping you've typed the token name correctly, you can easily search and find what you're looking for.

User-centric design

Orca's interface feels refreshingly human. Your wallet balances are clearly displayed, making it easy to see what you have available for trading. The design prioritises clarity over flashiness, with intuitive navigation that doesn't require a computer science degree to understand.

This focus on usability extends to mobile devices too. While many DEXs feel clunky on phones, Orca's interface adapts well to smaller screens, recognising that many users prefer to trade on the go.

DAO governance model

Orca is transitioning toward as a decentralised Autonomous Organisation (DAO) model, which means token holders get to vote on important decisions about the platform's future. It's like being a shareholder in a company, but instead of just receiving dividends, you actively participate in steering the ship.

Built using Solana Realms, Orca's governance system is transparent and accessible. The platform's treasury grows based on trading activity, creating a direct connection between the platform's success and the community's benefits. When more people trade on Orca, everyone wins.

Orca's environmental & social initiatives

In an industry often criticised for its environmental impact, Orca takes a different approach. The platform established a climate fund in 2021 and has donated to climate-focused nonprofits such as the Ocean Conservancy and the Rainforest Foundation. They've also created "Orcanauts," an NFT project that adds a fun, community-building element to the platform.

These initiatives hint that Orca isn't just about making money, but about building something sustainable and positive for the broader world. It's refreshing to see a crypto project that thinks beyond just profit margins.

What is the ORCA token used for?

The ORCA token isn't just a speculative asset sitting in your wallet looking pretty. It's the engine that powers the entire Orca ecosystem, with multiple practical uses that give it real utility.

Governance and voting

Every ORCA token you hold gives you a voice in the platform's future. Want to see new features added? Think the fee structure should change? Believe the platform should expand to new markets? Your tokens let you vote on these decisions. 

Yield Farming and Aquafarms

Orca's "Aquafarms" are one of the more creative implementations of yield farming in DeFi. Instead of staking your tokens and hoping for the best, you can provide liquidity to various pools and earn ORCA tokens as rewards. 

These farming opportunities often provide attractive returns while contributing to the platform's liquidity, creating a win-win situation for both users and the ecosystem.

Treasury and platform growth

A portion of trading fees goes directly into the Orca treasury, which is controlled by token holders. This means that as the platform grows and generates more revenue, the community benefits directly. It's like owning a piece of a business that gets more valuable as it becomes more successful.

Tokenomics

Orca's tokenomics are designed with sustainability in mind. With a maximum supply of 100 million tokens, there's a clear cap on inflation. The token distribution allocates significant portions to the community and ecosystem growth, with some early support from investors like Placeholder VC.

The emission schedule is carefully planned to incentivise early adoption while maintaining long-term value. Unlike some projects that dump massive amounts of tokens on the market, Orca's approach is more measured and considerate of token holders.

Is ORCA a good investment?

Let's address the [whale] in the room. Everyone wants to know if ORCA tokens are going to make them rich, but the honest answer is that no one has a crystal ball. What we can do is look at the factors that might influence its value over time.

Potential advantages

The growing Solana ecosystem is definitely a tailwind for Orca. As more projects build on Solana and more users discover its benefits, platforms like Orca that provide essential infrastructure tend to benefit. It's like owning a gas station on a highway that's getting more traffic every year.

Orca's focus on user experience also gives it a competitive advantage. In a market where many DEXs are difficult to use, being the "easy button" for DeFi can attract and retain users. Happy users tend to become loyal users, and loyal users drive consistent trading volume.

The platform's DeFi incentives, including yield farming opportunities and governance rewards, provide multiple reasons for users to hold and use ORCA tokens beyond just speculation.

Key risks

However, it's important to acknowledge the risks. Solana's network has experienced outages in the past, and while it's generally reliable, any major technical issues could affect all platforms built on it, including Orca.

Market volatility is another significant factor. Cryptocurrency markets can be extremely volatile, and DeFi tokens often experience even more dramatic price swings than major cryptocurrencies like Bitcoin or Ethereum.

Regulatory uncertainty also looms over the entire DeFi space. Changes in government policies or regulations could significantly impact how platforms like Orca operate.

This information is for educational purposes only and should not be considered financial advice. Always do your own research and consider your risk tolerance before investing in any cryptocurrency.

How to Buy and Store ORCA

Ready to get your hands on some ORCA tokens? The process is more straightforward than you might think, with several options depending on your preferences and experience level.

How to buy

For beginners, centralized exchanges offer the most familiar experience. Look to exchanges with strong reputations and regulatory practices. These platforms provide customer support and familiar interfaces, making them ideal for newcomers.

More experienced users might prefer buying directly through decentralised exchanges using a Solana wallet. This approach gives you immediate access to your tokens and eliminates the need to trust a centralised exchange with your funds.

How to store

Once you've bought ORCA tokens, you'll need a place to keep them safe. Hot wallets like Trust Wallet and Phantom offer convenience and easy access for active trading. These mobile-friendly options are perfect if you plan to use your tokens regularly for trading or participating in governance.

For long-term storage, cold wallets like Ledger hardware wallets provide maximum security. These physical devices store your tokens offline, protecting them from online threats. While less convenient for daily use, they're ideal for tokens you plan to hold for extended periods.

Orca vs. other DeFi platforms

Understanding how Orca compares to other popular DeFi platforms can help you make informed decisions about where to trade and invest.

Orca vs Uniswap

Uniswap is the granddaddy of AMM DEXs, but it operates on Ethereum, which means higher fees and slower transactions. Orca's Solana foundation gives it a significant advantage in terms of cost and speed. While Uniswap has more liquidity and trading pairs, Orca's user experience is generally considered superior.

Orca vs Raydium

Raydium is another Solana-based DEX, making it Orca's closest competitor. While Raydium offers more advanced features and higher liquidity, Orca wins on user-friendliness and community engagement. Raydium might appeal to experienced traders, while Orca is often preferred by newcomers to DeFi.

The choice between these platforms often comes down to personal preferences: do you value advanced features and maximum liquidity, or do you prefer simplicity and community involvement?

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So you've probably heard about ChatGPT by now - it's that AI assistant that seems to pop up in every conversation about productivity and technology. And honestly? It lives up to the hype. 

Think of it as having a really smart friend who's available whenever you need them, whether you're stuck on a work project, trying to craft the perfect email, or just curious about something random at 11 PM.

But here's what I wish someone had told me when I first started using it: not all ChatGPT plans are created equal. The differences between the free version and the paid tiers can be pretty dramatic, we're talking about the difference between having a helpful but sometimes busy friend versus having a dedicated assistant who's always ready to dive deep into whatever you need.

Whether you're trying to stretch every dollar as a student or you're ready to invest in serious productivity tools, understanding these pricing tiers will help you make the right choice for your situation. Let’s dive in.

ChatGPT pricing plans explained (2025)

Let's break down what each plan offers and what you're actually paying for:

ChatGPT Free Plan

Cost: $0 

Features:

• Access to GPT-4o mini
• Limited GPT-4o access
• Standard voice mode
• File uploads
• Image generation
• Web browsing
• Advanced data analysis

Who it's for: Perfect for curious newcomers who want to explore AI without commitment. Think of it as your test drive - you'll get a taste of what ChatGPT can do, but with some speed bumps along the way.

ChatGPT Plus Plan

Cost: $20 per month 

Features:

• Higher capacity than ChatGPT free — users can send 80 messages
• Priority access to GPT-4o
• Faster response times
• Advanced voice mode
• Early access to new features
• Custom GPTs

Who it's for: This is the sweet spot for most individual users. If you're a freelancer, student, or professional who relies on AI regularly, this plan transforms ChatGPT from a helpful tool into an indispensable work companion.

ChatGPT Team Plan

Cost: $30/seat/mo monthly or $25/seat/mo annually 

Features:

• Everything in Plus
• Available for 2 or more users
• Workspace collaboration tools
• OpenAI won't train on your workspace's data
• Admin controls and usage insights
• Custom workspace GPTs

Who it's for: Small to medium teams who need to collaborate on AI projects while maintaining some privacy controls. It's like having a shared digital workspace where everyone can contribute.

ChatGPT Pro Plan

Cost: $200 a month per user 

Features:

• Unlimited access to GPT-4o
• Advanced reasoning capabilities
• Research-grade performance
• Premium compute resources
• All previous plan features

Who it's for: This is for the AI power users: researchers, developers, and professionals who need unrestricted access to the most advanced capabilities. It's a significant investment, but for those who live and breathe AI, it can be worth every penny.

ChatGPT Enterprise Plan

Cost: Around $60 per user per month with a minimum of 150 users and a 12-month contract 

Features:

• Enterprise-grade privacy and data analysis capabilities
• Connectors to internal sources for more personalised answers (Google Drive, SharePoint, GitHub, Dropbox, and more)
• Custom deployment options
• Advanced security controls
• Dedicated support
• Custom usage limits

Who it's for: Large organizations that need enterprise-level security, compliance, and integration capabilities. This plan isn't just about using AI, it's really about making AI part of your business infrastructure.

Which ChatGPT plan is right for you?

Choosing the right plan feels a bit like picking the perfect phone plan - you want enough features without paying for things you'll never use. Here's how to think about it:

For students

Recommendation: Start with Free, upgrade to Plus if needed (students often have unpredictable usage patterns). The free plan lets you handle research, writing assistance, and study help without breaking the bank. If you find yourself hitting limits regularly during busy academic periods, the Plus plan's reliability makes it worth the investment.

For freelancers and individual professionals

Recommendation: ChatGPT Plus ($20/month). This is your professional toolkit. Whether you're a content creator, consultant, or entrepreneur, the Plus plan gives you consistent access to advanced features that can significantly boost your productivity. Think of it as investing in a skilled assistant who never takes sick days.

For developers and technical users

Recommendation: ChatGPT Plus or Pro (depending on intensity). If you're coding occasionally, Plus handles most development tasks beautifully. But if you're building AI applications or need extensive code generation, the Pro plan's unlimited access prevents frustrating interruptions during deep work sessions.

For small teams and startups

Recommendation: ChatGPT Team ($25-30/user/month) The collaboration features and data privacy controls make this worthwhile for teams of 2-10 people. You're not just paying for individual access, you're investing in team productivity and maintaining professional data standards.

For large enterprises

Recommendation: ChatGPT Enterprise (custom pricing). When you need AI integrated into your business processes with enterprise-grade security, this becomes a strategic investment rather than just a productivity tool. The custom pricing reflects the complex needs of large organisations.

ChatGPT hidden costs and limitations to know

Before you commit to any plan, let's talk about the fine print - because nobody likes surprise costs.

API usage beyond regular plans

If you're building applications that use ChatGPT's API, you'll encounter separate pricing based on token usage. 

API pricing alone (GPT-4: $0.012/prompt tokens, $0.024/completion tokens) doesn't tell the whole story as actual costs often double when you factor in servers, optimisation, and hidden infrastructure needs.

Message limits and throttling

Even paid plans have limits. The free plan caps your usage significantly, while Plus gives you more headroom but isn't unlimited. If you're a heavy user, you might hit these walls sooner than expected.

Feature access restrictions

Some advanced features roll out to higher-tier plans first. Free users often wait months for features that Plus subscribers get immediately. It's like being in the general admission section while others enjoy VIP access.

Storage and file handling

While most plans include file uploads, there are size limits and processing restrictions that might affect your workflow if you regularly work with large documents or datasets.

ChatGPT alternatives: is there a better deal?

Let's be honest – ChatGPT isn't the only sheriff in town anymore. Here's how the competition stacks up:

Claude AI (Anthropic)

Pricing: Free tier + $20/month Pro Strengths: Excellent for analysis and reasoning, longer context windows Best for: Users who need thoughtful, nuanced responses and can work with longer documents.

Perplexity AI

Pricing: Free + $20/month Pro Strengths: Web search integration, cited sources Best for: Research-focused users who need current information with source verification.

DeepSeek

Pricing: Free and paid version, with the paid model consisting of an individual plan with a $20-$50 monthly fee and a team plan that comes with custom pricing Strengths: Competitive performance at lower costs Best for: Budget-conscious users who want good performance without premium pricing

Google Gemini

Pricing: Free tier + Google One AI Premium ($20/month) Strengths: Deep Google ecosystem integration Best for: Users heavily invested in Google's productivity suite

The truth is, each AI has its personality and strengths. ChatGPT excels at versatility and ease of use, but depending on your specific needs, one of these alternatives might be a better fit for your workflow and budget.

Final thoughts: is ChatGPT worth the price in 2025?

The bottom line of ChatGPT pricing boils down to how much you’re actually going to use it.

If you're just dabbling occasionally, the free plan is surprisingly decent. For most working professionals, the $20 Plus plan pays for itself quickly (think of it as buying back an hour of your week). And for teams or businesses? The higher-tier plans make sense when AI becomes a core part of how you operate.

The good news is you're not stuck with one choice forever. Try the free versions of ChatGPT, Claude, and Perplexity to see which one clicks with how you work. Then upgrade the one that feels most natural.

We're still figuring out this whole AI thing, but one thing's clear: these tools are becoming as essential as email or Google Drive. The question isn't whether you'll use AI - it's finding the right fit for where you are now, knowing you can always level up later.

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Welcome to Tap’s weekly crypto market recap. 

Here are the biggest stories from last week (1 - 7 July).

💥 XRP Jumps above $2.30 on rumours SEC may drop Ripple appeal

XRP jumped to $2.3144 on 3 July amid speculation that the SEC might drop its appeal against Ripple, fueling investor optimism. Although no announcement followed, XRP still closed the day up 1.1%, outperforming the broader market. 

Legal experts suggest both parties could soon dismiss their appeals without court approval, though some warn the process may take weeks. A breakout above $2.3275 could trigger a run toward $3.3999, last seen in January.

Read more

🚀 Bitcoin briefly tops $110K on strong jobs report and ETF inflows

Bitcoin surged to $110,591 on 3 July after a strong U.S. jobs report boosted investor confidence in the economy. The rally was reinforced by $377 million in daily inflows into U.S. spot Bitcoin ETFs, led by Fidelity, ARK 21Shares, and Bitwise. 

Despite briefly pulling back, BTC is currently trading at $109,170, signalling continued strength amid favourable macro and institutional demand. Trading just 2.4% below its all-time high, analysts see potential for a new ATH if bullish momentum persists.

Read more

🧨 Rise in crypto-related physical crime

As digital wealth grows, there has been a surge in real-world heists - kidnappings and home invasions targeting crypto holders. Over 231 such attacks have been reported in the last 18 months, prompting many to seek increased personal security measures.

Read more.

🪙 Launch of the first U.S. Solana ETF with staking: REX-Osprey Solana + Staking ETF (SSK)

This new Cboe-listed ETF gives U.S. investors direct, staked exposure to SOL (~7.3% earning yield), albeit with higher fees (1.4%). Approval sets a precedent for future niche crypto ETFs

Read more.

🔍 Altcoin watchlist & meme‑coin hype for July

Market analysts are watching several altcoins (e.g. Maple Finance’s SYRUP, Hyperliquid’s HYPE, Solana memecoins like FARTCOIN) and XRP as potential breakout assets in July, backed by technical setups and macro sentiment. 

Read more.

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Remember when crypto was just about pizza?

In 2010, Laszlo Hanyecz paid 10,000 Bitcoin for two Papa John's pizzas, a transaction now worth over $1 billion. Gut punch aside, crypto enthusiasts celebrate this first real-world integration every 22 May as "Bitcoin Pizza Day." 

Back then, the entire crypto ecosystem could fit into a few obscure forums where libertarian idealists and coding cowboys traded digital tokens like baseball cards, convinced they were building the future from their basements. In hindsight, they were. 

Fast forward to today, and that scrappy subculture has evolved into something unrecognisable from its meme-driven origins. Nike is dropping NFT sneakers. Major banks hold crypto assets. Entire countries are experimenting with digital currencies. The rebellious energy that once fueled late-night Discord raids and "diamond hands" memes has crystallised into legitimate businesses, governance protocols, and entirely new economic models.

But here's what's fascinating: crypto didn't just grow up by abandoning its roots, it’s matured by doubling down on them. The community-first mentality that built Bitcoin is now reshaping how we think about ownership, identity, and value creation in the digital age.

This isn't a story about crypto going mainstream by becoming boring. It's about a culture that learned to channel its revolutionary spirit into building the infrastructure for tomorrow's economy, while somehow keeping its irreverent soul intact. 

IYKYK

From meme coins to maturity: the evolution of crypto culture

Remember the early days of crypto culture, where things were gloriously chaotic? A community united by shared jokes about "HODLing" (born from a drunken misspelling of "hold"), treating every market crash as a buying opportunity, and genuinely believing that traditional finance was destined for the dustbin of history. The culture was equal parts utopian manifesto and internet meme factory.

And it wasn't just rebellious posturing, it was the emergence of genuinely new social norms. 

Crypto communities developed their own language (think "WAGMI," "ape in," "moon"), their own heroes (Satoshi's mysterious disappearance became legendary), and their own values centred around decentralisation, permissionless innovation, and radical transparency. Forums like BitcoinTalk and subreddits became digital town squares where code was law and reputation was earned through contribution, not credentials.

But cultures mature through adversity, and crypto has weathered some brutal winters. The 2018 crash wiped out over 80% of the market's value. The 2022 collapse saw major players like FTX implode spectacularly. 

Each crisis forced the community to evolve, weeding out pure speculation while strengthening the foundations of legitimate innovation. The survivors weren't just the hodlers; they were the builders who kept shipping code through bear markets.

What emerged from these trials and tribulations was a culture that kept its revolutionary energy but channelled it more strategically. 

The meme coins didn't disappear, they just became one flavour in a much richer ecosystem. Fast forward to today, where crypto culture balances its anti-establishment DNA with the practical work of building alternatives to the systems it once merely criticised.

Why the crypto ecosystem is no longer just a subculture

Somewhere between the pizza transactions and the present day, crypto stopped being a niche hobby and became infrastructure. Real estate transactions are settling on blockchain networks. Identity verification happens through decentralised protocols. Entire financial systems run on code that anyone can audit, and no single entity controls.

The rise of Decentralised Autonomous Organisations (DAOs) exemplifies this maturation. 

What started as an experimental governance model has evolved into a practical tool for coordinating everything from investment funds to open-source software development. DAOs like Uniswap and Compound manage billions in assets through community governance, hushing the haters and proving that decentralised decision-making can work at scale.

Meanwhile, DeFi has created a parallel financial infrastructure that operates 24/7, serves global users without permission, and offers yields that traditional banks can't match. Creator economies have exploded as artists, musicians, and content creators tokenise their work and build direct relationships with their audiences. These aren't experiments anymore, they're functioning businesses generating real revenue and solving real problems.

Perhaps most tellingly, regulatory frameworks are finally catching up. When governments start creating clear rules for an industry, that's usually a sign it's moved beyond the experimental phase. 

The role of Web3 in shaping new digital identities

Let’s shine a light on Web3 - no longer just a “technical upgrade,” but now a fundamental shift in how people relate to their digital lives. For the first time in internet history, users can truly own their online identities, content, and social connections. While, admittedly, it’s still in its early stages, it's still creating new economic opportunities for millions of people.

Gamers are leading the charge in another direction, earning real income through play-to-earn games and trading in-game assets as NFTs. What seems like fun and games is actually a new form of digital labour, with some players in developing countries earning more from virtual economies than traditional jobs provide. 

However you feel about Web3, you cannot deny that the cultural shift here is profound: digital activities that were once purely recreational are becoming legitimate career paths.

Investing beyond the hype: what smart money looks like now

Thankfully, the days of throwing money at anything with "coin" in the name are largely over. Today's sophisticated crypto investors approach the space with the same rigour they'd apply to any emerging technology sector, which is to say, a lot more rigour than the early "number go up" mentality.

Modern crypto investing focuses heavily on tokenomics: the economic design of how tokens are created, distributed, and used within their ecosystems. Smart investors analyse token supply schedules, utility functions, governance mechanisms, and community incentive structures. They're looking for projects that create genuine value, not just speculative buzz.

Due diligence now includes evaluating team credentials, technology innovation, product-market fit, and regulatory compliance. The most successful crypto investors today often have backgrounds in traditional venture capital or technology, bringing institutional-grade analysis to a previously amateur-dominated space. 

They're backing teams building long-term infrastructure, not chasing the latest meme coin pump.

This maturation has also created new investment categories. There's now a clear distinction between speculative trading, strategic token investments, and equity stakes in crypto companies. Even institutional players like pension funds and endowments are entering the space through regulated products, bringing both capital and credibility.

The cultural shift is striking: crypto conferences now feature more suit-wearing fund managers than hoodie-wearing day traders. But the underlying belief in decentralised systems remains strong - it's just being expressed through more sophisticated financial instruments.

Community, governance, and cultural legitimacy

Consider this: crypto's greatest innovation might not be technical, it might be social. 

The ecosystem has pioneered new models of community organisation that traditional institutions are now studying and adopting. 

• Discord servers with hundreds of thousands of members coordinate global initiatives. 
• GitHub repositories with contributors from every continent build open-source infrastructure. 
• Governance tokens give stakeholders direct voting power on protocol decisions.

This community-first approach has proven remarkably resilient. When centralised exchanges fail or regulations threaten specific projects, the decentralised nature of crypto communities allows them to adapt and continue building. The culture's emphasis on transparency, open-source development, and collective ownership creates natural resistance to single points of failure.

Cultural legitimacy has arrived through an unexpected channel: brand adoption. When Nike launches NFT collections, Budweiser buys Ethereum domain names, and H&M experiments with blockchain supply chains, it signals that crypto has moved from counterculture to culture. 

These aren't tech companies hedging their bets: they're traditional brands recognising that their customers expect digital ownership options.

So, what's next for crypto culture?

The next wave is already building. Real-world assets (from rental properties to intellectual property) will trade as tokens around the clock. Gen Z, raised on digital scarcity and creator economies, will make crypto-first living the norm.

Challenges remain: regulation, interoperability, and sustainability. But crypto culture thrives on adversity, turning every crisis into an upgrade opportunity.

The culture that started with a Papa John’s purchase has fundamentally rewired how we think about money, ownership, and coordination. This isn't just growing up, it's growing into the foundation of tomorrow's economy.

And somewhere, Laszlo Hanyecz is probably still enjoying pizza, though he's probably paying with dollars these days.

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