Learning the friendly way

In today's global economy, managing your finances, both crypto and fiat, across borders has never been more important. With this in mind, we’ve created innovative solutions for both personal and business users with the Tap Personal Account and Tap Business Account. 

While both accounts share some core features, they each cater to specific needs. Let's dive into the details to help you choose the right account for your financial journey. 

Shared features: the Tap advantage

Both Tap Personal and Tap Business accounts offer a range of powerful features designed to simplify your financial life:

• Multi-currency capabilities: Hold, send, and receive money in multiple currencies.
• Competitive exchange rates: Enjoy favourable rates when converting between currencies.
• Low-fee international transfers: Send money abroad without breaking the bank.
• Tap card: A versatile debit card for spending in multiple currencies worldwide.
• User-friendly mobile app: Manage your finances on the go with ease.
• Cashback rewards: earn up to 8% Cashback on any card or online transactions.
• Money management on the go: Get real-time notifications on transactions and monthly statements.

Tap Personal Account: personal finance, globalised

The Tap Personal Account is perfect for individuals who:

• Live, work, or travel internationally
• Need to send money to family or friends abroad
• Want to shop online in different currencies
• Seek a hassle-free way to manage personal finances across borders
• Are savvy investors looking to manage multiple currencies in one secure location

Key features of the Tap Personal Account include:

1. Easy account opening: Get started quickly with a simple online process.
2. Free local account details: Receive payments like a local in multiple countries.
3. Instant transfers: Send money to other Tap users in seconds, for free.

Tap Business Account: powering global commerce

The Tap Business Account is tailored for:

• Small to medium-sized businesses
• Companies with international operations
• Startups looking to scale globally

In addition to the features shared with the Tap Personal Account, the Tap Business Account offers:

1. Multi-currency access: Easily set up checkout payment channels for crypto and major national currencies with access to local and international payment rails.
2. Crypto to fiat: Receive and send over 45 cryptocurrencies directly from your account with an institutional-grade OTC desk. 
3. Payment links: Get an individual IBAN and receive and send payments in EUR and GBP with SEPA Instant
4. White card labelling service: Create customisable cards for your business or clients using the integrated service. 
5. Cheaper payroll payments: Avoid bank fees when making multiple payments efficiently, perfect for paying salaries or multiple suppliers.
6. Access to an account manager: each company is assigned a dedicated account manager.

Making the right choice

Choosing between a Tap Personal Account and a Tap Business Account depends on your specific needs:

• If you're an individual looking to simplify your personal international finances, the Tap Personal Account is your go-to solution.
• For businesses of any size aiming to streamline their global financial operations, the Tap Business Account offers the advanced features you need to thrive in the international marketplace.

Both accounts reflect Tap's commitment to providing innovative, user-friendly financial solutions for our increasingly connected world. Whether you're planning your next international adventure or expanding your business across borders, Tap has you covered.

Ready to take control of your global finances? Visit withtap.com to learn more and download the app, and sign up for the account that best suits your needs.

While these terms might seemingly be used interchangeably, there are in fact fundamental differences between them. Whether you're brand new to the industry, looking for a new investment opportunity, or have been in the market for a while, distinguishing between the three will be a valuable endeavour. When it comes to the business of blockchain assets and the information surrounding it, we know all about it. Let's get into it.

What Are Digital Assets?

Digital assets are non-tangible assets that are created, traded and stored in a digital format. This includes everything from a website to a spreadsheet to a logo, anything uniquely identifiable that holds value. In the context of digital assets vs cryptocurrencies vs tokens, both cryptocurrencies and tokens are digital assets as they're created, stored and traded using blockchain technology. 

Through blockchain technology, cryptocurrencies and tokens utilize an advanced encryption technique known as cryptography. This maintains their security and ensures that the digital assets cannot be counterfeited or double-spent. Each individual asset represents something, whether it be content, value or a tangible item.

What Are Cryptocurrencies?

While cryptocurrencies fall under the umbrella of digital assets, they too hold a unique characteristic. In order for a digital asset to be classified as a cryptocurrency, it must be created on its own unique blockchain (often referred to as a blockchain's native token). 

Cryptocurrencies can be traded as a medium of exchange or store of value, depending on the platform for which it is built. On top of that, cryptocurrencies can also be used to pay transaction fees for using the network, or as an incentive to ensure the network is well-maintained. 

Typically, cryptocurrencies are decentralized meaning that they do not rely on a central entity to maintain the network, instead, they are operated using code to facilitate transactions and issuance. Built using blockchain or distributed ledger technology (DLT), cryptocurrencies use cryptography to secure each network in an automated, trustless manner and avoid any fraud.
Bitcoin, as it is created using its own blockchain and acts as a form of digital money, is an example of a cryptocurrency.

What Are Tokens?

Tokens differ from cryptocurrencies in that they are created on top of existing blockchain networks and not their own. A prime example is any ERC-20 token built on top of the Ethereum network, while these are still digital assets, they are classified as tokens due to their use of an existing blockchain. DAI, COMP and USDT are all examples of tokens that utilize the Ethereum blockchain.

While some are also mediums of exchange or stores of value, tokens provide more varied use cases. For example, some tokens are used to play games while others might be used for services specific to that platform, or across the greater decentralized finance (DeFi) landscape. 

There are a number of token standards available which each serve different use cases, the majority of which are built on Ethereum. The most common, the ERC-20 token standard, allows for the creation of a token that can then be used across a range of compatible dapps (decentralized apps). Another common token standard is the ERC-721 which is used to create non-fungible tokens, NFTs.

Tokens are typically characterized by the following:

• Permissionless
• Programmable
• Trustless
• Transparent

Tokens tend to take on much wider use cases, such as representing both tangible (property, art) and non-tangible (processing power, governance rights) which cryptocurrencies are integral to the running of the blockchain network. ‍

In Conclusion

Digital assets encompass both cryptocurrencies and tokens, while cryptocurrencies are built using a unique blockchain, and tokens are built on top of an existing blockchain. As the blockchain industry and the regulation around it continue developing, it is likely that the token standards and the range of use cases across both cryptocurrencies and tokens will continue to develop to provide a vast array of social and economic solutions.

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Bitcoin options trading has been making waves as a small yet significant catalyst in Bitcoin’s latest price surge. The launch of Bitcoin options linked to BlackRock’s iShares Bitcoin Trust ETF brought new energy to the market, attracting attention from both big institutions and everyday investors. 

But this bull run isn’t just about options trading, it’s driven by growing confidence in Bitcoin’s future, boosted by market trends, technological progress, and changes in regulations. Let’s take a closer look at what Bitcoin options trading is and how it fits into this exciting rally.

What are Bitcoin options?

Options trading is a type of financial trading where you buy or sell the right, but not the obligation, to purchase or sell an asset, like Bitcoin, at a specific price within a set time frame. Essentially, you’re betting on whether the price of that asset will go up or down.

There are two types of options: calls and puts. A call option lets you buy the asset at a certain price (if you think the price will rise), while a put option lets you sell it at a certain price (if you think the price will drop). Instead of buying the asset outright, you’re paying a smaller fee, called a premium, for the option to trade later.

Traders typically use options to hedge risk or profit from price movements without directly owning the asset. In the case of Bitcoin, options trading allows investors to manage volatility while taking advantage of its price swings, making it a popular tool in the fast-moving crypto market.

The game-changer: Bitcoin ETF options

January 2024 marked a historic moment when the SEC approved spot Bitcoin ETFs, and now we're seeing the next evolution with Bitcoin ETF options. BlackRock's iShares Bitcoin Trust ETF (IBIT) made waves when its options began trading on the Nasdaq, quickly becoming one of the most exciting new financial products on the market.

The numbers tell the story: In just the first hour of trading, IBIT saw 73,000 options contracts traded, instantly placing it among the top 20 most active non-index options. 

Why Bitcoin ETF options matter

The introduction of Bitcoin ETF options is significant for several reasons:

1. Accessibility: Anyone can now trade Bitcoin options through traditional brokerage accounts, no crypto exchange is required.
2. Regulated environment: These products trade on established exchanges like Nasdaq, offering a level of oversight that many crypto platforms can't match.
3. Market sophistication: The availability of ETF options helps mature the Bitcoin market, potentially leading to more stable prices over time.

The new Bitcoin ETF options landscape

The Bitcoin ETF options market is growing fast, with big names like BlackRock's iShares Bitcoin Trust (IBIT), Grayscale Bitcoin Trust (GBTC), Fidelity Wise Origin Bitcoin Fund (FBTC), and ARK 21Shares Bitcoin ETF (ARKB) leading the way. These funds are already offering or planning to offer options trading, giving investors more choices than ever before.

As the market develops, experts expect to see even more innovative products, including covered call funds, buffer funds, trend-following strategies, and other option-based investment tools. This rapid growth is certainly making the crypto space more dynamic and accessible for more “traditional” investors.

Final thoughts

The launch of Bitcoin ETF options is a big step forward for the crypto market as it continues to grow and evolve. While these options bring exciting opportunities they also come with their own risks and complexities, so whether you’re curious or serious about trading, it’s important to fully understand how they work before diving in.

The crypto and NFT gaming world is more active than ever, with new game releases, frequent token airdrops, and ongoing developments keeping the space buzzing. And while the Hamster Kombat game is taking the world by storm, many are wondering: is there real money to be made here? As we do a deep dive into the project, we uncover whether people can really earn money from playing this hamster-centric, Telegram-based game. Let’s start at the very beginning. 

What is Hamster Kombat?

In a nutshell, Hamster Kombat is a quirky Telegram-based game that blends crypto concepts with idle gaming mechanics. Players act as the Golden Hamster CEO managing a virtual cryptocurrency exchange, tapping to earn coins and making strategic decisions to grow their business. 

The game features upgrades, daily tasks, and resource management, all with a fun and addictive interface. While it hints at potential future cryptocurrency rewards, the primary focus is on engaging gameplay and building a thriving digital exchange. 

Whether you love it or hate it, there’s no denying that Hamster Kombat offers a playful, low-stakes introduction to crypto-themed gaming.

So, is there potential to make money?

The aim of the game is to build up your in-game coin balance, however, the project creators have promised that an airdrop is in the pipeline. Similar to a recent tap-to-earn game, NOTcoin, the Hamster Kombat project promises to reward its players through an airdrop event based on their active participation in the game. 

While the allocation metrics remain fuzzy and the coin in question, HMSTR, is yet to be created, there is still a large amount of hype surrounding the game and the potential financial incentives. So much so that big exchanges in the crypto market are already pre-listing the coin. 

What we know for sure

The creators of the project haven’t left us totally in the dark, there are a few factors we know for certain:

Build your coin balance

As with most tap-to-earn games, players accumulate their in-game coins by completing small tasks. Hamster Kombat is no different, encouraging players to earn more coins through various avenues.

It’s all about the passive income

Hamster Kombat’s main gameplay involves tapping the screen, but to really progress, use the “Mine” button to purchase upgrades for your exchange. Investing in markets, PR, team, legal enhancements, and special cards will generate passive income, allowing you to earn coins even when you're not actively playing.

Work on your profit per hour

On that note, your profit per hour rating is arguably the most significant rating when it comes to airdrop allocation. This is based on a very uncryptic tweet from the creators:

Embed: https://x.com/hamster_kombat/status/1803025528909156356?lang=en

To work on increasing your profit per hour, see our piece on ways to maximise this. It covers everything from what you need to know about card upgrades to daily combos and more. 

Participation is key

While we know the main factor affecting a player’s HMSTR allocation is their total profit per hour, however, the following factors, taken from the project’s whitepaper also play a role:

● Overall game cycle: did you just download it and forget about it or are you an

active player?

● Community interaction and activity

● Friends, or, rather, the quality of the friends you invited: did you bring in bots?

Or are these real friends you interact and play with daily?

● Achievements

● Wallet integration

● Reputation

What we know about $HMSTR

The coin behind the project, HMSTR, might not be launched yet, but here is what we do know about it.

HMSTR will be created on the TON network, standing for The Open Network, created by the same team that brought us Telegram, the platform on which the game is based.

The popular game, which recently surpassed 300 million players, has postponed its planned token launch due to ongoing work on the large-scale airdrop logistics. 

While the token generation event and airdrop are now listed as "upcoming" on the game's roadmap, the developers have assured fans they are actively working to bring these features to fruition.

In the meantime, the token has been approved for premarket trading by the following platforms: OKX, Bitget, Gate.io, and KuCoin. 

Keep an eye on our blog for further updates. 

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Hey there, crypto enthusiasts and mobile gamers! Have you heard about the latest buzz in the blockchain gaming world? It's called Hamster Kombat, and it's taking the Telegram app by storm. This cute and addictive game is about to shake things up even more with the launch of its very own cryptocurrency, HMSTR . Let's dive into what all the fuss is about and why you might want to keep an eye on this furry little token.

Alright, what's Hamster Kombat all about?

Imagine running your own crypto exchange, but instead of boring suits and ties, you're a hamster CEO. Cute, right? This game has exploded in popularity since it hit Telegram in March 2024. We're talking mind-blowing numbers here:

- Over 300 million players (yeah, you read that right!)

- The biggest Telegram channel ever, with 52 million subscribers
- They smashed YouTube records too, hitting 10 million subs in just 6 days

It's safe to say these hamsters are on a roll!

Enter HMSTR: The Hamster Token

Now, Hamster Kombat is leveling up with its own cryptocurrency called HMSTR. Here's the scoop:

Token Overview:

- Name:HMSTR (Hamster Kombat Token)

- Blockchain:The Open Network (TON)

- Total Supply: Not yet specified. That's still under wraps, adding a bit of mystery to the mix.

What makes HMSTR special?

Key Features of HMSTR:

Unlike many crypto projects, HMSTR is designed to be truly community-driven. The absence of venture capital or large investor backing means that the token's value and utility will be in principle determined by its creator team and its user base. This approach aims to minimize potential sell pressure from early investors.

The Hamster Kombat team plans to conduct what they claim will be the largest airdrop in crypto history, 60% of the total HMSTR token supply will, according to the whitepaper be dedicated to players through airdrops.

While initially tied to the Hamster Kombat game, the HMSTR whitepaper indicates plans to use HMSTR tokens beyond just the Hamster Kombat game. The token may power multiple products within a broader Hamster ecosystem.

As of July 31, 2024, there is no set launch date: the exact timeline for the token generation event and official launch has not been announced.

How much is a Hamster coin (HMSTR) worth?

The price of the Hamster Kombat coin is currently unavailable as it hasn’t launched yet. 

Has Hamster Kombat been listed?

No, Hamster Kombat has not yet been listed on any exchanges.

Even without an official airdrop date, the HMSTR token is already generating significant interest in the pre-market. Several exchanges have announced they will list HMSTR tokens for pre-market futures trading. This development reflects the high demand and enthusiasm surrounding HMSTR, despite the absence of a confirmed launch date. However, it also highlights the speculative nature of trading tokens before their official release, as participants are eager to get in on the action early.

How to get your paws on some HMSTR token

The HMSTR airdrop details are still a bit fuzzy, but here's what we currently know about the upcoming airdrop.

The highly anticipated HMSTR token airdrop, initially scheduled for this month (July 2024), has been delayed. The team cited concerns over the complexity of managing such a large-scale distribution on The Open Network (TON) blockchain. With approximately 300 million registered users, ensuring a smooth and efficient airdrop has proven to be a significant challenge.

Despite these challenges, the team has not yet provided a new date for the airdrop, leaving participants uncertain about when they will receive their tokens. This delay has created a sense of uncertainty among the community, as many were eagerly anticipating the distribution.

If you're an active player of Hamster Kombat, there's a good chance you'll be eligible for the airdrop. The team will likely evaluate several criteria, such as how frequently you play the game, your level of interaction with the community, whether you've invited real friends or just bots, your gameplay activity, achievements, wallet integration, and overall participation in the community.

To participate, you'll need to link a TON-compatible wallet, like Tonkeeper, to your game account.

As for when this is all going down, we're still waiting on the official word. Keep your eyes peeled for announcements!

What can you do with HMSTR?

The team has some cool ideas brewing and several planned uses for HMSTR tokens. First, you can use them to enhance your hamster in the game by purchasing upgrades, skins, and special items. Additionally, HMSTR holders might have the opportunity to vote on future game updates and features, similar to a DAO, giving players a say in the game's development.

There's also talk of staking options, allowing you to earn extra rewards by staking your tokens, however nothing confirmed yet. Holding HMSTR could grant you VIP access, unlocking exclusive game modes or events. Finally, like other crypto tokens, you will likely be able to trade HMSTR on exchanges, allowing for trading and speculation.

‍The bigger picture: Hamster Kombat's grand plan, more than just a game

These ambitious hamsters team are not planning to stop at one viral game. They're dreaming big. They have grand plans to launch a publishing platform designed to support other developers and to broaden their reach from mobile games to PC and consoles. They’ve also indicated intentions to expand the game itself across multiple platforms, ensuring they’re not limited to Telegram.

Additionally, the team is exploring traditional revenue streams to maintain the value of their token while providing grants to attract more developers into their growing community.

Show me “the money”: HMSTR tokenomics

‍Now, let’s dive into the details of HMSTR tokens. Although the total supply remains undisclosed, we do have some key information. A substantial 60% of the tokens are dedicated directly to players through airdrops, ensuring the community is at the forefront. The remaining 40% is allocated for various purposes, including trading liquidity, partnerships, and team rewards. Notably, there is no pre-sale or private investor round, in order to emphasise the focus on player involvement from the beginning.

Why HMSTR could be a big deal

Let's examine why HMSTR could significantly impact the crypto gaming world. First off, consider the sheer number of players Hamster Kombat has attracted. Millions of people might be engaging with crypto for the first time through this game, serving as a friendly, furry gateway to the world of blockchain.

The size of the planned airdrop is noteworthy as well. It could set a new bar for how crypto projects distribute tokens to their communities. Other projects might start feeling the pressure to be more "generous" with their distributions, which could thereby influence the crypto space.

Telegram's involvement is another crucial aspect. If Hamster Kombat pulls this off, it could open the floodgates for more blockchain apps on the platform. We might witness a whole new ecosystem of crypto projects popping up on Telegram, changing daily interactions with blockchain technology.

A particularly interesting aspect is how Hamster Kombat is bridging the gap between Web2 and Web3, making crypto more accessible through a platform already familiar to many. This could be significant in bringing blockchain technology to a wider audience.

But let's keep it real: Challenges ahead

Despite the exciting outlook, there are significant challenges ahead. The crypto industry faces regulatory uncertainties, and ensuring compliance across different countries can be complex. Additionally, managing millions of users and their tokens presents considerable technical challenges.

The volatility of crypto values is another factor to consider. HMSTR's price is likely to be unpredictable, especially in the early stages. The competitive nature of the crypto gaming space means Hamster Kombat will need to continuously innovate to stay ahead. Once the initial buzz dies down, keeping players hooked is going to be a constant battle.

Despite these challenges, the potential of HMSTR is notable. Whether it will shake crypto gaming or become a short-lived crypto trend remains to be seen, but what is certain is that it is going to be an interesting development in the world of blockchain gaming.

Getting ready for HMSTR: Your game plan

If you're thinking about getting in on the HMSTR action, there are a few steps to consider.

First, stay in the loop by following Hamster Kombat's official channels to get the latest updates. Next, set up a TON-compatible wallet and link it to your game account to ensure you're prepared for any upcoming news.

Playing the game actively is an important factor according to the informations available, as it could increase your chances of receiving airdrops. Additionally, take the time to understand the risks involved with any crypto investment, as this will help you make informed decisions. Finally, consider the long-term by looking into the broader plans for the Hamster ecosystem and determining if it aligns with your interests and goals to see if it's something you believe in.

Wrapping it up

The launch of HMSTR is shaping up to be a pretty big deal in the world of crypto gaming. It's bringing together mobile gaming, social media, and blockchain in a way we haven't really seen before. With its massive player base and fresh approach to token distribution, Hamster Kombat and HMSTR could potentially shake things up in the crypto world.

As the team gears up for the token launch and that record-breaking airdrop, all eyes will be on how they handle the challenges ahead. For players and crypto enthusiasts alike, HMSTR offers a chance to be part of what could be the next big thing in blockchain gaming and crypto adoption.

But remember, folks, the crypto world is as unpredictable as a hamster on a wheel. While the potential is exciting, it's important to approach HMSTR (and any new crypto token) with a level head. Do your research, stay informed, and never invest more than you can afford to lose.

The Hamster Kombat story is just getting started, and it's going to be an interesting ride. Will these little hamsters revolutionise the crypto gaming space? Only time will tell, but it's definitely a project worth keeping an eye on. So, get ready to spin that hamster wheel – the world of HMSTR awaits!

Hey there, Community! ✨

We've got some exciting news to share, and it's all about making your life a little bit easier and a whole lot clearer. We're thrilled to announce our partnership with TapiX – and before you wonder what this is all about, let me break it down into plain English, just for you.

No More Guessing Games 🎲

Ever looked at your transaction history and thought, "Where on earth did I spend that money?" We've all been there, scratching our heads, trying to decipher cryptic names or puzzling out just which coffee shop that was.

Here's where TapiX comes in – and why we're so excited about it. TapiX turns those confusing codes and names into information you can actually understand. We're talking real names of stores, complete with local language and all the details to make it click instantly. Yes, that means no more guessing games!

A Picture Speaks a Thousand Words 📷

But why stop at names? When you look at your transactions, you can now see actual logos and images – making it even easier to spot at a glance where you've been shopping. It's like turning your transaction history into a colourful gallery of your spending habits.
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Pinpoint Shopping Locations📍

Ever got a charge from a store and wondered, "When did I go there?”. Now, you won't just see the name; you'll get the exact location. We're talking street address, city, even zip codes – perfect for those "Aha!" moments.
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Extra Details at Your Fingertips 🫰

And there's more. Want to revisit a store but can't remember the name? You can now access additional details like website links, opening hours, and more for the store and companies that support it. It's like having a little assistant tucked away in your transaction history.

Why This Matters to You 👀

We believe managing your money should be as straightforward as shopping. That's why we partnered with TapiX – to transform your transaction list from a boring spreadsheet into a clear, understandable, and even helpful part of your daily life.

Here's what it boils down to: less time puzzling out your past spends and more time enjoying your present. Whether you're a budgeting pro or just trying to keep track of where your money's going, we think you'll love this new feature.

It's All About You 💙
At Tap, everything we do is aimed at giving you a better experience. We listen, we care, and we act on what you need. This partnership? It's all about making your financial life clearer and simpler.

We're here to help you make sense of your spending, save time, and maybe even discover some new favourite spots along the way. And this is just the beginning – we're always looking for ways to improve your experience.

So go ahead, take a look at your updated transaction history, and see the difference for yourself.

Here's to clearer, simpler, and more enjoyable finances.

Warmly,

The Tap Team.

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