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Dive into our resources, guides, and articles for all things money-related. Grow your financial confidence with our experts curated tips and articles for both experienced and new investors.

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Money
Overspent this festive season? 5 tips to bounce back quickly

Feeling the post-festive season financial pinch? Discover 5 useful bounce-back tips.

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Alors, vous avez passé un joyeux Noël et peut-être, juste peut-être, vous avez un peu exagéré avec les dépenses. Eh bien, cela arrive aux meilleurs d'entre nous et vous n'êtes certainement pas le seul à entamer janvier avec un déficit en conséquence. Sans être trop dur envers vous-même, réorientons-nous et mettons en œuvre ces 5 conseils pour revenir sur la bonne voie et rebondir rapidement. Avant de commencer, il est préférable d'avoir une idée réaliste de votre situation financière. Vous ne pourrez pas résoudre la situation si vous n'en êtes pas conscient. Assurez-vous de consulter toutes vos cartes de crédit et comptes afin que nous puissions affronter la réalité ensemble.

Évaluez les dégâts

Si vous avez puisé dans vos économies ou utilisé vos cartes de crédit pour pimenter vos projets de décembre, notez clairement le montant que vous devez et prenez note des remboursements d'intérêts correspondants. Il existe de nombreuses façons de s'attaquer à la dette, il est donc important de trouver une stratégie qui convienne le mieux à votre situation financière. Si vous ne savez pas par où commencer, voici deux options adaptées aux débutants : la méthode de la "Dette Avalanche" et la méthode de la "Dette Boule de Neige".

Dette avalanche : commencez par rembourser d'abord les dettes à taux d'intérêt élevé pour économiser des intérêts à long terme tout en effectuant toujours les paiements minimums sur les dettes à taux d'intérêt plus faible.

Dette boule de neige : commencez par rembourser le solde le plus bas de la dette pour obtenir rapidement des victoires et de la motivation, tout en effectuant les paiements minimums sur toutes les autres dettes.

Optez pour ce qui vous semble le plus confortable. Si vous avez puisé dans vos économies, essayez d'augmenter vos économies mensuelles au cours des prochains mois pour les ramener à leur niveau initial, en particulier si vous avez utilisé votre fonds d'urgence. Non, la sangria n'est pas une urgence. Même en hiver.

Rationalisez vos économies

En entrant dans le mois prochain, mettez en place un virement automatique afin que vos économies sortent directement de votre compte et que vous ne soyez pas tenté de vous réconforter avec un autre café au pain d'épice. Écoutez, les cafés au pain d'épice sont formidables, mais l'être financièrement stable l'est aussi.

Si vous avez plusieurs objectifs d'épargne, vous pouvez également envisager de créer plusieurs comptes d'épargne (assurez-vous de vérifier les frais mensuels) et d'allouer votre salaire en conséquence. Des points bonus si vous utilisez un compte d'épargne à rendement élevé qui accumulera des intérêts supplémentaires.

Désintoxication financière

Parfois, lorsque nous avons dépensé un peu trop, il peut être judicieux de donner un nouveau départ à nos finances. Une manière de le faire est d'avoir un "mois sans dépenses". Ça ne semble peut-être pas passionnant, mais écoutez-nous. Vous faites une pause dans l'achat de choses qui ne sont pas absolument nécessaires. Cela fonctionne mieux si vous établissez des règles strictes, en vous concentrant uniquement sur l'essentiel.

Définissez vos règles en identifiant les nécessités, planifiez vos repas à l'avance, évitez les tentations comme les centres commerciaux et les influences des médias sociaux, recherchez des divertissements gratuits et suivez les économies réalisées. Un mois sans dépenses peut également vous aider à réinitialiser votre réflexion sur ce dont vous avez vraiment besoin de dépenser de l'argent. Par exemple, pendant la période des fêtes, vous avez peut-être absolument eu besoin de nouvelles tenues pour vos rencontres sociales.

Cependant, en janvier, prenez le temps de parcourir votre garde-robe et trouvez des pièces fantastiques que vous aviez depuis longtemps. Voyez cela comme une façon de prendre du recul et de réévaluer vos habitudes de dépenses tout en économisant de l'argent.

Allouez chaque centime de votre budget

Une tendance récente dans le domaine de la budgétisation est d'allouer chaque centime de votre salaire à différentes catégories, en veillant à ce que chaque euro que vous gagnez serve à un but précis. Une fois votre budget établi, vous avez toujours la flexibilité de déplacer des fonds, mais l'idée est que vous réfléchirez à deux fois avant de transférer des fonds d'une chose importante à quelque chose de plus trivial. Cela vous aidera également à comprendre vos priorités et à réparer les dégâts.

Révisez et ajustez

Pendant que vous sirotez quelque chose chez vous lors de votre mois sans dépenses, c'est aussi bon moment que n'importe lequel pour élaborer un budget hypothétique pour les fêtes de l'année prochaine. Tant que tout est encore frais dans votre esprit, notez les coûts les plus importants et essayez de mettre en place un budget vers lequel vous pourrez travailler et économiser au cours des prochains mois.

Les choses à planifier peuvent inclure les voyages, les frais de réception d'une fête, les cadeaux, les factures de gaz supplémentaires pour le chauffage, et peut-être une tenue qui vous fera vous sentir encore mieux. N'oubliez pas, budgétiser ne consiste pas à vivre au minimum, mais à établir des priorités, à planifier et à anticiper.

Dernières réflexions

La frénésie de dépenses de la période des fêtes a peut-être laissé votre portefeuille un peu vide, mais ne vous inquiétez pas, vous n'êtes pas seul à entamer janvier avec quelques ajustements financiers à faire. En suivant ces cinq conseils, vous pouvez rebondir rapidement et même vous préparer aux festivités de l'année prochaine. Avec un peu de discipline et une nouvelle perspective, vous serez bien parti pour rebondir et retrouver rapidement votre stabilité financière. À votre santé pour une nouvelle année financièrement solide !

Press release
Tap Teams Up with Notabene for Cryptocurrency Travel Rule Solutions

Tap is excited to announce its partnership with Notabene, enhancing compliance operations and ensuring adherence to cryptocurrency Travel Rule.

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TAP Partners with Notabene to Implement Innovative Solutions Ensuring Adherence to Cryptocurrencies’ Travel Rule

Tap is proud to announce its new partnership with Notabene, in a concerted and strategic response to strengthen its compliance operations, by utilizing the market-leading solutions to ensure ongoing compliance with the Travel Rule for cryptocurrencies. Embracing the ever-evolving regulatory landscape, this partnership underscores TAP's dedication to ensuring consumer trust and guaranteeing pre-transaction regulatory compliance requirements at all times.

Tap has always taken pride in its regulatory-first approach, emphasizing the importance of consumer trust and operational transparency. Tap's decision to partner with Notabene is grounded in a multitude of strategic rationales. Notabene's all-encompassing SafeTransact platform, renowned for its excellence in identifying and mitigating high-risk activity before it occurs, provides compliance teams with the tools to make data-driven choices and enhances operational efficiency by seamlessly integrating the Travel Rule into compliance processes.

Notabene's notable offering includes its SafeGateway solution, which facilitates VASP-to-VASP interaction across protocols. This positions them as strong contenders in the cryptocurrency compliance solutions sector. This underscores why TAP views this partnership as a positive step toward maintaining a competitive edge in the fintech compliance landscape.

Comment from Kriya Patel, CEO of Tap

“I am delighted to be able to announce our strategic partnership with Notabene and I look forward to growing the relationship together whilst navigating through to meeting and maintaining our current and future regulatory requirements in our industry. 

The partnership with Notabene was a natural one. They share the same values as Tap by focusing on  customer-driven product needs, whilst allowing us to maintain a regulated and security-first approach.”

Comment from Pelle Braendgaard, CEO of Notabene

"We are pleased to collaborate with Tap, their commitment to compliance and customer trust aligns seamlessly with our mission. Together, we can advance the industry while ensuring the highest standards of security and transparency."


Security
What are cookies?

Ever wondered what browser cookies do? Our latest blog reveals their secrets and impact on your web experience.

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Welcome to the delicious world of cookies! But hold on, we're not talking about those sweet treats you munch on during tea time. We're here to unveil the mysterious and oh-so-important cookies that exist on the vast landscape of the internet. 

These cookies aren't tangible, instead, they're small pieces of data that roam around cyberspace, shaping and enhancing your online experience. In this article, we break down what cookies are exactly and how they impact our online interactions. 

What are cookies?

These digital marvels play a vital role in enhancing our online experiences. So, what exactly are cookies and why does your computer store them?

When you're hopping from one website to another, your computer keeps a small file on behalf of each website you visit. This file is the cookie. The name "cookie" actually comes from a programming term called a magic cookie, coined by the programmer, Lou Montulli, and adds flavor to your online adventures.

But why do computers store these little files? Cookies help web servers remember you, ensuring a smooth and personalized browsing experience. Let's say you perform an action on a website, like switching to a dark mode or logging in with your credentials. Your computer takes note of this and saves the information in a cookie.

When you revisit that website in the future, your computer hands back the stored information from the cookie to the website. It's like your computer acting as a helpful assistant, reminding the website of your preferences, saved settings, and even items left in your virtual shopping cart.

The bottom line is that cookies allow for a seamless and tailored browsing experience. 

The different types of cookies

As with its baked goods counterpart, not all cookies are created equal. Each type serves a unique purpose in enhancing your online experience. Here's a breakdown of the most common cookie varieties:

Session cookies

These are temporary cookies that exist only during your browsing session. They hold information about your activities on a website, ensuring smooth navigation. Once you close the browser, session cookies vanish, leaving no trace behind.

Persistent cookies

Unlike their transient cousins, persistent cookies stick around even after you close the browser. They store information like login details or preferences, making your return visits more personalized and convenient.

First-party cookies

These are created by the website you are visiting. They help remember your preferences and settings, making your browsing experience smoother.

Third-party cookies

These cookies come from external sources, often embedded in the website you're visiting. They track your browsing habits, allowing advertisers to deliver targeted ads based on your interests.

Cookie consent and those pop up banners

When you visit a website, you may have noticed those cookie consent banners or pop-ups that demand your attention. Turns out they are quite important. Implementing these notifications helps websites comply with data protection regulations and respect your privacy. 

They also play a vital role in helping users understand the importance of giving consent and being aware of how their data is used. So, next time you encounter a cookie consent banner, remember it's there to protect your rights and ensure transparency in the online world.

How cookies track and analyse your behaviour

Cookies have become a powerful tool for tracking and analyzing user behavior on websites. They enable website owners to gather valuable analytics data and gain insights into visitor patterns and preferences. 

By utilizing cookies, website administrators can track the number of page views, monitor the time users spend on their site, and gain a deeper understanding of how visitors interact with different elements. This data helps them optimize their websites, improve user experience, and tailor content to suit audience preferences. 

On top of that, cookies also play a crucial role in targeted advertising, allowing marketers to display ads based on users' browsing habits and interests. So, the next time you encounter a personalized ad, you can thank those little, but mighty, cookies for their clever insights.

How you can manage your cookies

Managing and controlling cookies gives you more control over your online privacy. Through browser settings, you can choose to accept, reject, or delete cookies. Taking control of your cookie preferences allows you to customize your browsing experience and limit the data collected by websites. 

Additionally, various cookie management tools are available, making it easier to handle cookies across different websites. It's important to understand the implications of accepting or rejecting cookies, as it can affect website functionality, personalized experiences, and even the relevance of advertisements. Find the right balance that suits your privacy preferences and browsing needs.

Conclusion

In the vast realm of the internet, cookies are the unsung heroes that make our online experiences seamless and personalized. These small files, stored by our computers on behalf of websites, play a crucial role in remembering our preferences, settings, and actions. 

So, the next time you encounter a cookie consent banner or notice the personalization of a website, you'll know it's all thanks to these small but mighty digital gems called cookies. 

Press release
Public Announcement from the Tap Team Regarding Bittrex Global's Upcoming Closure

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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.

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.

Money
What's a SWIFT? What is BIC? Finance jargon explained

Curious about APR, SWIFT and BIC and many more? Let's decode finance jargon together.

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If you're new to the fascinating world of finance, fear not, we're here to help. With plenty of new terms and concepts being thrown around, it's common to miss out on some of the basics. In this article, we're taking a look at some of the most frequently used acronyms and terms, making them accessible and relatable. Allow this trusty guide to help you navigate through the often perplexing world of financial jargon.

APR (Annual Percentage Rate)

Let's start with APR. This acronym stands for Annual Percentage Rate and represents the annualized interest rate you're charged for borrowing money. When you borrow funds, the APR includes not only the interest but also any additional fees associated with the loan or credit product. 

Understanding APR allows you to compare different borrowing options and evaluate the true cost of credit. So, next time you consider taking out a loan, pay attention to the APR to make an informed decision.

ATM (Automated Teller Machine)

ATM stands for Automated Teller Machine and is the nifty device that allows you to withdraw cash from your bank account. While ATMs are becoming less and less used in one’s daily life, their advantage lies in traveling. With your Tap card directly linked to multiple fiat and crypto options, simply hop over the border and withdraw the local currency.

BACS (Bankers Automated Clearing Services)

BACS stands for Bankers Automated Clearing Services. It may sound like a mouthful, but essentially, it's a system in the UK that enables electronic payments to be made from one bank account to another.

It simplifies transferring money between accounts, making transactions more efficient. Whether you're paying your bills, sending money to a friend, or making regular payments to the bank's head office, BACS ensures that your money moves smoothly and securely.

BIC (Business Identifier Code)

BIC stands for Business Identifier Code or Bank Identifier Code, and the purpose of BIC is to provide a reliable and internationally recognized identification system for banks and financial institutions, streamlining transactions and enhancing overall efficiency in the financial industry.

When you're conducting business with different banks, especially when dealing with the bank's head office, the BIC serves as a unique code that ensures accurate identification of the institutions involved. So, next time you're sending funds to the bank head office, rest assured that the BIC code helps facilitate a seamless and secure transaction.

Dividend

Now, let's dive into dividends. A dividend is a distribution of a company's earnings to its shareholders. When a company makes a profit, it may choose to share a portion of those profits with its shareholders as dividends. So, if you're a shareholder, dividends are a way for you to earn a little extra income from your investments. 

FCA (Financial Conduct Authority)

The FCA is like the financial watchdog of the UK. FCA stands for Financial Conduct Authority. These folks are the regulators who keep an eye on the financial industry to protect consumers like you. Their job is to ensure that financial institutions play by the rules, maintain industry stability, and promote healthy competition among financial services. They've got your back when it comes to financial matters.

The SEC is the American equivalent (see later). 

Equity

Equity refers to the ownership interest in a company or property. When it comes to stocks, it represents the shares of a company that you, as an investor, own. In the real estate world, equity is the difference between the market value of a property and the outstanding mortgage. So, think of equity as your stake in something valuable.

Exchange rate

Ah, the ever-fluctuating exchange rate. It's like a dance between currencies. An exchange rate refers to the value at which one currency can be converted into another. It's crucial to understand exchange rates, especially if you're dealing with international transactions. They can impact the cost of goods and services when you're using different currencies. 

IBAN (International Bank Account Number)

IBAN stands for International Bank Account Number. It's a unique identifier for bank accounts used internationally. Think of it as a special code that helps simplify international money transfers. With an IBAN, you can easily identify an account internationally, making those international payments a little smoother. 

The structure of an IBAN may vary slightly between countries, but it typically consists of a country code, two check digits, and a series of alphanumeric characters representing the bank and account details. The length of an IBAN can also vary, ranging from country to country.

ISA (Individual Savings Account)

The ISA is a tax-advantaged savings and investment account that allows individuals to save and invest money without paying income tax or capital gains tax on the returns generated within the account. This is the United Kingdom equivalent to a Roth IRA (see later). 

Inflation

Inflation occurs when the general price level of goods and services goes up over time. It means that your money can buy you less than it used to. So, keep an eye on inflation, my friends, as it affects your purchasing power and how much you get for your hard-earned cash.

Mutual Fund

Let's explore mutual funds. A mutual fund is like a financial potluck. It's an investment vehicle that pools money from multiple investors to create a diversified portfolio of stocks, bonds, or other securities. It's a way for investors like you to access a professionally managed portfolio without the hassle of selecting individual securities.

Net Income

Net income, also known as net profit or earnings, is a common financial term. It represents the amount of money left over after deducting all expenses from a company's total revenue or one's bank account. It's a key measure of financial performance and tells you how much money a company is making after all the bills are paid.

Remittance

Remittance is the art of sending money across borders. Remittance simply refers to the transfer of money from one country to another. Whether you're an individual sending money to family overseas or a business making international payments, remittance is the term that captures those cross-border transactions. Remittance is most commonly used to describe the funds that are sent from someone in a developed country to family members in an undeveloped country. 

Roth IRA

A Roth IRA is a retirement savings account that packs a tax-free punch. You contribute money to this account with after-tax dollars, and the beauty of it is that qualified withdrawals in retirement, including both your contributions and earnings, are tax-free. It's a popular choice for those seeking tax-free growth potential in their retirement savings. 

SEC (Securities and Exchange Commission)

The Securities and Exchange Commission is the regulatory agency in the United States responsible for enforcing federal securities laws. The SEC's primary mission is to protect investors, maintain fair and efficient markets, and facilitate capital formation. It regulates and supervises various entities, including securities exchanges, securities brokers and dealers, investment advisers, and mutual funds.

SEPA (Single Euro Payments Area)

SEPA, or Single Euro Payments Area, is a game-changer for euro transactions within the EU and EEA. It harmonises payment systems, making international transactions as easy as domestic ones.

With SEPA payments, you can send and receive payments in euros across participating countries without dealing with separate systems and extra fees. It promotes efficiency, speed, and cost-effectiveness, simplifying your financial life and fostering economic integration.

SWIFT code (Society for Worldwide Interbank Financial Telecommunications)

SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication. It's like the secret communication network that banks use to send secure financial messages, including payment instructions, to one another. Swift codes ensure that these messages reach their destinations reliably and efficiently. Think of a SWIFT code as the superhighway of financial communication, connecting financial institutions worldwide.

Conclusion

Understanding financial terms is crucial because it empowers you to make informed decisions about your money. Whether you're planning for the future, managing investments, or simply striving for financial stability, grasping key terms is essential. Armed with knowledge, you can navigate the financial landscape with confidence and make wise choices that align with your goals.

Press release
TAP to pause U.K. client onboarding whilst taking steps meet new FCA Financial Promotions Regime

Tap hits pause on new UK customer onboarding until completion of a review to fully comply with the new FCA Regime.

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Tap Global Group Plc (AQSE: TAP), the regulated cryptocurrency app bridging the gap between traditional finance and blockchain technology, announces that is ceasing new UK based customer onboarding until completion of a review to fully comply with the Financial Conduct Authority (FCA) Regime of Financial Promotions, which will be introduced on the 8th October 2023.  

In addition, Tap has been conducting a detailed review of its existing client base to assess whether clients are investment professionals or certified sophisticated investors that it may be permitted to continue to engage with in respect of the continued offer of its cryptoasset services that constitute regulated cryptoasset promotions.

Tap is fully committed to ensuring customers benefit from the assurance that Tap’s services are being delivered within a fully regulated, compliant environment and in accordance with best practice regulatory standards and requirements. Tap is reviewing all marketing, onboarding, customer protection and suitability assessments to ensure there is full adherence with the FCA Financial Promotion Regime.  

In addition, Tap is partnering with an FCA authorised firm to review and approve all relevant marketing material and onboarding processes to further validate a compliance first approach to the services offered to Tap customers.  

Tap will continue to provide further updates and advise UK customers when services are ready to be resumed.        

About Tap Global PLC

Tap’s group of company’s provides a fully regulated cryptocurrency app bridging the gap between traditional finance and blockchain technology. Tap Global Limited is regulated by the Gibraltar Financial Services Commission, as a distributed ledger technology (“DLT”) service provider.  

Through a single app, Tap’s over 200,000 users can access several major cryptocurrency exchanges and, utilising Tap’s proprietary Artificial Intelligence middleware, customers benefit from best-execution and pricing in real time. Through the Tap card, users can also convert their cryptocurrencies to fiat to spend at more than 37 million merchant locations worldwide.  

Tap is one of only a handful of unified solutions operators fully regulated to provide DLT services and was the first cryptocurrency FinTech company approved by Mastercard in Europe.  

Learn more: www.withtap.com  

Any questions regarding this document or application of any law, rule or regulation can be referred to us via email at Compliance@tap.global.

News and updates

Tap Opens Greek Offices, Expanding Its Global Reach

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Simplifying Your Spending: Why Tap’s New Partnership with TapiX Matters to You

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Re-Introducing premium plans on Tap for EU/EEA Territories

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Public Announcement from the Tap Team Regarding Bittrex Global's Upcoming Closure

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Tap temporarily suspends XTP locking/fees in compliance with FCA regulatory requirement

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Tap Teams Up with Notabene for Cryptocurrency Travel Rule Solutions

Tap is excited to announce its partnership with Notabene, enhancing compliance operations and ensuring adherence to cryptocurrency Travel Rule.

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TAP to pause U.K. client onboarding whilst taking steps meet new FCA Financial Promotions Regime

Tap hits pause on new UK customer onboarding until completion of a review to fully comply with the new FCA Regime.

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Tap partners with Total Processing

Tap's new partnership with Total Processing enables smoother Visa debit deposits, elevating Tap users satisfaction and payment convenience.

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The Journey to 200K Users: A tale of talent, tenacity, and tremendous support

Get ready to dive into a captivating fintech saga, where talent, determination, and community support lead us to 200K users!

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Tap now supports Ethereum Name Service (ENS).

We are delighted to announce the listing and support of Ethereum Name Service (ENS) on Tap!

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Tap now supports Loopring (LRC).

We are delighted to announce the listing and support of Loopring (LRC) on Tap!

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Tap partners with Sweatcoin

Tap partners with Sweatcoin for a healthier and financially inclusive world

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Tap now supports Kyber (KNC)

We are delighted to announce the listing and support of Kyber (KNC) on Tap!

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Tap now supports Balancer (BAL)

We are delighted to announce the listing and support of Balancer (BAL) on Tap!

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Tap announces key additions to executive leadership team

Tap, today announced the appointment of Kriyakant "Kriya" Patel as a Chief executive officer.

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