Learning the friendly way

So you’ve entered the world of Hamster Kombat and want to know how to get your furry paws ahead. You’ve come to the right place. In this guide, we'll explore strategies to maximise your profit per hour.

Whether you're a seasoned player or just starting your rodent-run empire experience, these tips will help you optimise your tapping technique, upgrade wisely, and manage your virtual resources like a pro. 

What does Profit per Hour mean in Hamster Kombat?

Imagine your Hamster Kombat exchange as a bustling rodent-run factory. Profit Per Hour (PPH) is the automated assembly line, churning out tokens even when you're not supervising. It's the game's way of rewarding you for smart investments and strategic planning.

What we know:

• PPH is passive income, generating tokens around the clock.
• Unlike with tapping or tasks, PPH is hands-free income - no constant attention required.
• These earnings flow directly into your main coin balance.
• This token balance can be used to upgrade cards or buy new cards.

PPH is the backbone of your hamster empire, ensuring growth even when you're away from the wheel.

10 ways to maximise your Hamster Kombat profit per hour

Card Upgrades

Look for cards that give you the most bang for your buck in terms of Profit Per Hour (PPH). Here are some smart picks at a reasonable price:

• "License Europe" is a quick win at Level 1. For just 5000 tokens, you'll earn an extra 720 PPH. You'll break even in about 6 to 7 login cycles (each cycle being 3 hours).
• Want to go bigger? The "Consensus Piranha Pass" at Level 2 is a powerhouse. It'll cost you 55,125 tokens but rewards you with a 2,030 PPH boost.
• "License Bangladesh" and "License India" might also surprise you with their unique PPH offerings, check them out too. 

Avoid cards that give you less than 1000 PPH if they cost more than 20,000 tokens. These rarely give you good value, the only exception being if you need them for a daily combo. 

Use Boosters

Boosters are key for fast progress in Hamster Kombat. The 'Multitap' booster increases coins per tap, while 'Energy Limit' boosts your energy reserves for more taps. Daily boosters refresh your energy every hour, so use them strategically to enhance your coin generation.

Consistency is key

Check-in regularly to grab limited-time bonuses and finish key daily challenges. You'll also keep up with important game changes, special events, and possible arbitrage opportunities. Consistently logging in is the secret to boosting your PPH over time.

Crack the Daily Combo

Each day features a "daily combo" with specific cards. Upgrading these cards grants a bonus of five million coins. Check Hamster Kombat’s online communities for the daily combo details to optimise your upgrades.

Solve the Daily Cipher

The daily cipher, now visible on the main Exchange screen, rewards one million coins. Enter the password in Morse code, with quick taps for dots and long taps for dashes. Timing is crucial, so solve the problem quickly.

Manage your tokens effectively

Handle your well-deserved coins like a savvy investor. Focus on smart upgrades that give you the most bang for your buck, and steer clear of wasteful splurges that might eat into your future profits.

Stay in the Game

Bear in mind that this isn't a hands-off money-maker market. Always be on the lookout for lucrative card deals, use your boosts wisely, and actively participate in the game to make the most of it.

Top the League Levels

League levels, from 'Bronze' to 'Creator,' impact your 'Multitap' and 'Energy Limit' booster levels, enhancing your active tapping gains. Reaching higher levels, like 'Creator,' requires significant coin balances, currently over 18 billion.

Join the Community

Connect with Hamster Kombat’s vibrant community on Telegram and social media. Engaging with other players can provide tips, updates, and insights, including info on time-sensitive seasonal cards that can boost your hourly profits. Also, be sure to invite your friends and family and reap the rewards.

Watch Hamster YouTube

Hamster Kombat offers rewards for watching their YouTube videos, giving 100,000 coins per view. Stay updated with their content, interact with the videos, and wait an hour for the coins to be credited.

That’s all the information you need to get ahead in this wildly addictive game. Now it’s time to get that hamster wheel turning.

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The financial world is currently undergoing a remarkable technological transformation, led by the rise of open banking, open finance, and embedded finance. While these terms may seem similar, each represents a distinct approach with unique implications. Understanding the nuances between these emerging service models is not only interesting but will add value to your endeavours in the financial realm. Ultimately, they hold the power to fundamentally reshape how we access and manage our money.

In this article, we'll explore the defining characteristics of each trend - their origins, benefits, and the broader ecosystem in which they thrive. 

What is open banking?

Origins and key principles

At the heart of the financial technology revolution lies open banking - a model that has its origins in the need for increased transparency, competition, and consumer choice within the banking industry. 

The key principles of open banking centre around empowering individuals and businesses to securely share their financial data with third-party providers, like fintechs for example, enabling a new era of innovative services and personalised experiences.

Regulatory frameworks

Regulatory frameworks like the European Union's Payment Services Directive (PSD2) have been instrumental in systemising and accelerating the open banking movement, in fact, it has been referred to as the “starting point” of the open banking solution. 

These regulations have encouraged fintech firms and developers to use customer data from banks securely through APIs, leading to better products and services.

Benefits for consumers and businesses

Open banking brings numerous benefits for both businesses and consumers. 

• Consumers can control their financial data better, manage accounts across different institutions easily, and use personalised money management tools. 
• Businesses can integrate banking features into their platforms using open APIs, enhancing customer experience and creating new revenue streams. 

There’s no denying that the open banking revolution is picking up speed, so expect significant changes in the financial landscape ahead.

What is open finance?

Key principles

While open banking has revolutionised how we interact with our bank accounts, open finance takes things even further.

Instead of just focusing on banking data, open finance allows the secure sharing of information across a wider range of financial services. This could include investment portfolios, insurance policies, loan details, and even pension information.

In essence, open finance takes a broader view, considering a person's entire financial picture and serves as a comprehensive framework that outlines how open banking principles should operate within the greater financial economy.

Accessing a broader range of financial data

By bringing all this data together, consumers and businesses gain a more complete view of their overall financial health. This unlocks new possibilities and opportunities, such as:

• Lenders can provide more personalised loan offers
• Wealth managers can deliver tailored investment strategies
• Insurance providers can price policies more accurately
• Individuals can take a unified approach to budgeting, saving, and achieving financial goals

What is embedded finance?

Integrating financial services into non-financial platforms

Embedded finance represents a major shift in how people interact with financial services. Instead of relying solely on traditional banking platforms, this approach involves seamlessly integrating banking capabilities right into the everyday digital tools and apps people already use.

An example of embedded finance would be a user being able to access banking features directly within a shopping app or a ridesharing platform. Parties can seamlessly engage with the financial services within the app, whether for exchange, payment or tipping.

Improving customer experience and accessibility

By embedding financial features into non-financial environments, companies can dramatically improve the customer experience. Consumers gain frictionless access to banking, lending, payments, and other services without having to leave the digital spaces they might find themselves in. This enhanced accessibility and convenience can lead to higher engagement and loyalty, further spurring the evolution of the digital financial landscape.

Real life examples of embedded finance applications

You can find examples of embedded finance all around you. Examples include e-commerce platforms that offer buy-now-pay-later options at checkout or ridesharing apps that allow in-app tipping and payouts and retail apps that provide integrated spend tracking and budgeting tools. The common thread is the ability to deliver financial services in a natural, contextual way that feels like a seamless part of the user's experience.

As embedded finance continues to grow, the boundaries between banking, commerce, and everyday digital life will keep blurring. This intersection promises to redefine how individuals and businesses manage their financial lives in the years ahead.

Comparing their approaches

The key differences between open banking, open finance, and embedded finance lie in their scope, technological needs, and regulatory factors.

Open banking focuses specifically on banking data and services, while open finance encompasses a wider range of financial information beyond just banking.

The technological requirements also vary, with open banking relying on secure APIs to share data, and embedded finance integrating financial capabilities directly into non-financial platforms.

Regulatory oversight is another distinguishing factor, with frameworks like PSD2 driving open banking, while open finance and embedded finance navigate a more diverse regulatory landscape.

Conclusion

In summary, open banking, open finance, and embedded finance represent a profound transformation in how we access and interact with financial services. Open banking unlocks banking data, open finance expands to broader financial information, and embedded finance seamlessly integrates financial capabilities into everyday digital experiences. 

As these trends continue to evolve, staying informed on the latest developments will be key for consumers and businesses to navigate the changing financial landscape and capitalise on the benefits these innovations can provide. Consider this movement as the future of finance unfolding before our eyes.

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Public Announcement from the Tap Team

Regarding Bittrex Global's Upcoming Closure

We are aware of the recent announcement from Bittrex Global that the exchange will be shutting down its operations. This news undoubtedly has an impact on XTP (Tap Token) holders, as Bittrex Global has been the primary listing venue for the token. We want to assure our community that we are working hard on a solution to minimise any disruption to XTP trading and liquidity.

We were equally taken aback by the announcement, just as much as our community.
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Our Immediate Actions

We are meticulously evaluating multiple options to offer XTP a new primary listing marketplace. We are determined to provide our users with an uninterrupted trading experience. In the meantime, please be reassured that XTP will continue trading on Bittrex Global until the exchange's closure.

Our Commitment to Transparency and Communication

We understand that this news may cause some uncertainty among our users. We are committed to keeping you informed of any major developments during this process. Our dedicated support team is readily available to offer professional assistance and provide comprehensive information to users who intend to transfer their XTP to their Tap wallet.
Please don't hesitate to get in touch with our support team, and we will ensure a seamless and guided transition for all our users.

Thank you for your continued support.

We appreciate your understanding and patience as we work through this situation. We are confident that we will find a solution that will be in the best interests of our community.

Athens, 09 April 2024

TAP'S ODYSSEY IN GLOBAL EXPANSION: ATHENS, GREECE OFFICES BEGIN OPERATIONS

Taking a significant step that embodies its global expansion goals and steadfast dedication to transforming the financial services industry, Tap is delighted to reveal the launch of its new offices in the historic city of Athens, Greece.

This move serves as a testament to the company's commitment to integrating the wisdom of ancient financial principles with the ingenuity of modern technology. Nestled in the city that birthed democracy, the new office is not just a physical space but a symbol of Tap's resolve to harmonise ancient financial wisdom with the innovations of today's fintech landscape.

This strategic expansion underscores Tap's commitment to democratise and innovate financial solutions across the globe, intertwining with the cultural and economic tapestry of Athens while still remaining true to the core principles that define Tap.

This expansion seamlessly aligns with Tap's global strategy, dedicated to reaching new markets and offering modern financial services to a diverse array of communities. This venture not only propels Tap's international presence but also actively contributes to Athens' economic progression, nurturing local talent, and enriching the city’s financial landscape.

This initiative represents far more than mere expansion; it marks the start of an exciting new chapter for Tap. As Tap embarks on this exciting new chapter, the company remains committed to its core values of innovation, transparency, and customer-centricity. With its presence in Athens, Tap is poised to make a lasting impact on the financial services landscape, empowering individuals and businesses with the tools they need to thrive in an increasingly digital world.
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About Tap Global

Tap is a leading fintech company dedicated to making money management and cryptocurrency more accessible and user-friendly across the globe. With a focus on security, compliance, and user-friendliness, Tap offers a wide range of digital assets and innovative features to empower cryptocurrency enthusiasts. For more information, visit www.withtap.com.

In today's interconnected global economy, the ability to manage finances across multiple currencies and cryptocurrencies is becoming increasingly important. New financial technologies are emerging to address this need, offering tools that simplify cross-border transactions and bridge the gap between traditional and digital currencies.

Streamlined Euro Payments

The Single Euro Payments Area (SEPA) system has revolutionised euro transactions across Europe. This standardised framework allows for efficient and cost-effective transfers between participating countries. Tap leverages this system to provide users with an exceptionally easy and affordable way to send EUR. With Tap, transferring euros becomes as simple as a few taps on your smartphone, making cross-border transactions more accessible than ever.

GBP Transactions with Faster Payments Service 

In the UK, the Faster Payments Service (FPS) has transformed the speed of domestic transactions. Tap integrates this system to offer users a remarkably simple, fast, and cheap method for sending GBP. Whether you're splitting a bill with friends or paying a supplier, Tap's FPS integration ensures your pounds are transferred almost instantly, 24/7, with minimal associated costs.

The Power of Stablecoins for International Transfers

Stablecoins have emerged as a crucial bridge between traditional currencies and the volatile world of cryptocurrencies. Tap offers the convenient option of converting Fiat or cryptocurrencies to stablecoins, providing a cost-effective and lightning-fast alternative to traditional SWIFT transfers for international payments. This feature is particularly valuable for those looking to avoid the delays and high fees often associated with cross-border bank transfers.

John, a London-based entrepreneur, shares her experience: “For urgent payments to my international suppliers, Tap's stablecoin transfer feature is an absolute godsend. I can swiftly convert my pounds to USDT and send payments anytime, with the assurance that they'll be processed almost instantly. It's made dealing with international payments an absolute doddle. Brilliant stuff, really.”

Exploring Cryptocurrency Options

For users who are comfortable with cryptocurrencies, Tap offers another layer of flexibility. The platform supports a wide range of cryptocurrencies, allowing users to send and receive various digital assets if that's their preferred method of transaction. This feature caters to crypto enthusiasts and those looking to leverage the unique benefits of blockchain-based transfers.

Integrating Traditional and Digital Finance

As the lines between traditional and digital finance continue to blur, Tap stands out by seamlessly handling both. This integrated solution offers several advantages:

1. Simplified management of diverse assets in one place

2. Easier conversion between traditional currencies and cryptocurrencies

3. Potential for reduced fees through the use of blockchain technology

4. Enhanced financial flexibility for global transactions

The Tap Network: Free Transactions Within the Ecosystem

One of Tap's most compelling features is its in-app Tap2Tap Network. This innovative system allows users to send both cryptocurrencies and fiat currencies to other Tap users in the app completely free of charge. By facilitating fee-free transactions within its ecosystem, Tap not only saves users money but also encourages a more interconnected financial community.

Whether you're sending euros across Europe, pounds within the UK, stablecoins for international transfers, or cryptocurrencies to fellow enthusiasts, Tap provides a comprehensive solution that combines speed, simplicity, and cost-effectiveness. The platform's integration of traditional banking systems, stablecoin functionality, and cryptocurrency support, all united under the fee-free Tap2Tap Network, represents a significant step forward in accessible, flexible global finance.

To experience the benefits of integrated currency and cryptocurrency management firsthand, consider exploring Tap. This innovative financial app combines support for SEPA and FPS transactions with a wide range of cryptocurrency options, including stablecoins and popular tokens. Visit www.withtap.com to learn more about how you can optimise your financial transactions across borders and digital assets, and start enjoying fee-free transfers within the Tap2Tap Network today.
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As 2024 winds down, Bitcoin is riding an increasingly bullish wave, capturing attention and sparking widespread speculation with each passing day. As prices continue to climb, market observers are buzzing about what might come next for the leading cryptocurrency. 

Michael Saylor, founder of MicroStrategy and a vocal Bitcoin advocate, weighed in with his usual bold optimism, offering his own Bitcoin price prediction along the lines of: "I would be surprised if we don’t surpass $100,000 before the end of 2024." 

His insights, along with those of other market experts, offer a glimpse into the potential paths Bitcoin might take as this bull run continues. Let’s explore what could be on the horizon.

This exploration offers a speculative view of potential pathways and should not be interpreted as financial advice.

Political and regulatory winds

There is no denying that the political landscape is shifting, hinting to a new phase for crypto. As more effort is put into legal frameworks and emerging legislative proposals, like the Bitcoin Strategic Reserve bill* for instance, crypto enthusiasts are becoming increasingly hopeful that soon digital assets will outgrow their speculative reputation and become a solidified part of institutional systems.

*If this bill is passed, the U.S. government would aim to collect one million Bitcoins over five years, which would make up about 5% of the total supply.

At the same time, regulations are becoming clearer and more supportive as more policymakers seem to understand that a well-structured approach can help protect investors while also encouraging financial innovation. As this continues to develop, more political leaders have become open to talking seriously about the role of cryptocurrencies in the economy. 

This growing acceptance indicates that digital assets are moving into the spotlight, and becoming an important part of discussions about the future of finance.

Institutional momentum

This week, Bitcoin hit a new milestone as BlackRock’s iShares Bitcoin Trust ETF (IBIT) options launched, generating nearly $2 billion in trading on day one. The surge pushed Bitcoin to a record $94,000.

The debut highlights the increasingly growing role of institutional investors in the market, as more companies develop strategies involving cryptocurrencies, and financial institutions refine their approach to managing digital assets. All this further accelerates cryptocurrency's move into the mainstream.

Technological and market dynamics

As the greater crypto ecosystem is constantly evolving with new tech developments, more people around the world are understanding more and becoming more aware of cryptocurrency and blockchain technology. Even if this comes through market entries such as Hamster Kombat. 

It’s important to remember that technological innovation and market perception work together, shaping how Bitcoin and similar assets are viewed, valued, and used, which in turn affects their market behavior.

Potential scenarios

While it is impossible to make definitive predictions, several potential pathways are being discussed by market observers. Institutions may continue to explore the role of Bitcoin within diversified portfolios, and there is potential for greater integration of digital assets into mainstream finance. 

However, it’s also worth noting that Bitcoin’s strong bullish momentum, seen in both its price and oscillators, comes with the risk of a correction. While corrections are a normal part of market cycles and can support long-term growth, they can also create short-term instability and losses among traders. 

Unexpected events or broader market downturns could make these corrections more significant, affecting Bitcoin’s value and adoption.

Critical considerations

With all this in mind, it’s important to remember that cryptocurrency is known for its market volatility, and global economic conditions play a key role in shaping its future. Additionally, ongoing technological advancements are continually influencing both how people perceive digital assets and how they’re used in the real world.