Learning the friendly way

Så, du har säkert hört talas om ChatGPT vid det här laget

Det är den där AI-assistenten som dyker upp i nästan alla samtal om produktivitet och teknik. Och ärligt talat? Den lever verkligen upp till hypen.

Tänk dig att ha en riktigt smart kompis tillgänglig dygnet runt. Oavsett om du behöver hjälp med ett jobbprojekt, vill formulera det perfekta mejlet eller undrar över något mitt i natten.

Men här är något jag önskar att någon hade sagt till mig från början. Alla ChatGPT-planer är inte likadana. Skillnaden mellan gratisversionen och de betalda nivåerna är ganska stor. Det är som att jämföra en vän som ibland är upptagen med en assistent som alltid är redo att fokusera helt på det du behöver hjälp med.

Oavsett om du är student med tajt budget eller ett proffs med höga krav är det värt att förstå skillnaderna. Här är allt du behöver veta.

Prisplaner för ChatGPT under 2025

🟢 ChatGPT Free

Pris: 0 kronor
Funktioner:

• Tillgång till GPT-4o mini
• Begränsad tillgång till GPT-4o
• Standard röstläge
• Filuppladdningar
• Bildgenerering
• Webbsökning
• Avancerad dataanalys

Passar dig som:
Vill testa ChatGPT utan att binda dig. Det är som en provkörning där du får uppleva kraften i AI men med vissa begränsningar.

🔵 ChatGPT Plus

Pris: 20 dollar per månad
Funktioner:

• Upp till 80 meddelanden per 3 timmar
• Prioriterad tillgång till GPT-4o
• Snabbare svar
• Avancerat röstläge
• Tidig tillgång till nya funktioner
• Möjlighet att skapa egna GPTs

Passar dig som:
Använder AI regelbundet. Du kanske är frilansare, student eller yrkesverksam och behöver pålitlig tillgång till en effektiv arbetskamrat.

🧑‍🤝‍🧑 ChatGPT Team

Pris: 30 dollar per användare och månad, eller 25 med årsabonnemang
Funktioner:

• Allt som ingår i Plus
• Stöd för samarbete mellan flera användare
• Arbetsytor med sekretesskydd
• Adminpanel och användaröversikt
• Skräddarsydda GPTs för teamet

Passar dig som:
Jobbar i ett mindre team och vill använda AI på ett effektivt och säkert sätt. Ni får en gemensam AI-upplevelse med koll på datan.

🧠 ChatGPT Pro

Pris: 200 dollar per användare och månad
Funktioner:

• Obegränsad tillgång till GPT-4o
• Avancerad AI-förmåga för komplexa uppgifter
• Tillgång till högpresterande resurser
• Inkluderar allt från tidigare planer

Passar dig som:
Jobbar djupt med AI. Du kanske forskar, utvecklar eller analyserar och behöver maximal prestanda utan avbrott.

🏢 ChatGPT Enterprise

Pris: Cirka 60 dollar per användare och månad. Kräver minst 150 användare och 12 månaders avtal
Funktioner:

• Sekretess- och säkerhetsfunktioner på företagsnivå
• Integration med interna källor som Google Drive, GitHub och Dropbox
• Anpassad driftsättning
• Avancerade kontroller för åtkomst och dataskydd
• Dedikerad support

Passar dig som:
Driver en större organisation och vill integrera AI i hela verksamheten. Fokus ligger på trygghet, skalbarhet och anpassning.

Så väljer du rätt ChatGPT-plan

Det är som att välja mobilabonnemang. Du vill ha det som passar dina behov utan att betala för mer än du använder.

🎓 För studenter

Tips: Börja med gratisplanen. Uppgradera till Plus om du ofta når gränserna. Den hjälper dig med plugg, uppsatser och research utan att påverka budgeten.

💼 För frilansare och enmansföretagare

Tips: Välj ChatGPT Plus. Det är din digitala assistent. Perfekt för att spara tid och öka effektiviteten.

👨‍💻 För utvecklare

Tips: Välj Plus om du kodar ibland. Går du djupare och bygger med AI bör du överväga Pro.

👥 För team och startups

Tips: Välj Team-planen. Den är anpassad för samarbete, sekretess och kontroll.

🏦 För större företag

Tips: Enterprise är rätt val om AI ska integreras i arbetsflöden, interna verktyg och affärsprocesser.

Viktigt att känna till om dolda kostnader

💬 API-prissättning

Om du bygger egna appar med GPT tillkommer kostnader baserat på tokenförbrukning. Serveroptimering och kringkostnader kan göra det dyrare än väntat.

📉 Användningsbegränsningar

Även betalda planer har gränser. Gratisanvändare har lägre tillgång, Plus är generösare men inte obegränsad.

🛑 Funktioner släpps olika snabbt

Vissa funktioner blir tillgängliga först för Plus och Pro. Använder du gratisplanen kan du behöva vänta.

📁 Begränsningar för filuppladdning

Det finns storleksgränser och bearbetningsrestriktioner som kan påverka om du jobbar med tunga dokument eller datamängder.

Alternativ till ChatGPT, finns det något bättre?

Här är några konkurrenter som också erbjuder kraftfulla AI-upplevelser:

TjänstPrisStyrkorBäst förClaude AIGratis och 20 dollar ProBra på analys och resonemangLånga, komplexa texterPerplexity AIGratis och 20 dollar ProWebbsökning med källorResearch och aktuell informationDeepSeek20 till 50 dollar i månadenBra prestanda till lägre kostnadBudgetmedvetna användareGoogle GeminiGratis eller 20 dollar PremiumIntegrerat med Googles ekosystemAnvändare av Googles verktyg

Alla dessa har sina egna styrkor. ChatGPT är allround, enkel att använda och kraftfull. Men beroende på hur du arbetar kan något av alternativen passa dig bättre.

Är ChatGPT värt priset år 2025?

Det beror helt på hur mycket du använder det.

Om du bara använder AI då och då räcker gratisplanen långt. Om du jobbar med innehåll, analys eller kommunikation på daglig basis är Plus värt investeringen. För team och företag är de mer avancerade planerna logiska val när AI blir en del av arbetsrutinerna.

Det bästa är att du inte behöver bestämma dig på en gång. Testa gratisversionerna av ChatGPT, Claude eller Perplexity. Välj den som passar din stil och dina behov bäst.

Vi befinner oss fortfarande i AI-teknikens tidiga dagar. Men det är tydligt att verktyg som ChatGPT kommer att bli lika vardagliga som e-post eller molntjänster. Frågan är inte om du ska använda AI, utan vilken lösning som passar dig just nu.

Private label cards are branded payment solutions that enable businesses to offer customized rewards, incentives, and financing options to their customers and employees. These cards serve as powerful tools for driving customer loyalty, improving cash flow management, and gaining valuable spending insights. In this article, we'll guide you through the concept of private label cards, their key benefits for businesses, and delve into how they work. 

What are private label cards?

Private label cards are branded payment cards issued by businesses to their customers or employees, allowing them to make purchases or access funds within a specific ecosystem or network. Unlike traditional debit or credit cards issued by a bank, private label cards are a product tailored to the branding and specific needs of the issuing company.

These cards differ from traditional cards in several ways. Firstly, they are not tied to a specific financial institution but rather to the company's brand and loyalty program. Secondly, they often offer unique rewards and incentives tailored to the business's products or services. Additionally, private label cards provide businesses with valuable customer data and insights, enabling targeted marketing efforts and personalized experiences.

Private label cards and fintechs

In recent years, fintech platforms have revolutionized the issuance and management of private label cards. These technology-driven companies act as program managers, handling the end-to-end process of card issuance, transaction processing, and compliance adherence. 

By partnering with fintech platforms like Tap, businesses can efficiently launch and manage their private label card programs, leveraging advanced technologies, scalability, and industry expertise without the need for extensive in-house resources.

How private label cards benefit businesses

Private label cards empower businesses to strengthen customer relationships, optimize financial operations, and gain a competitive edge through tailored rewards, data-driven insights, and robust security measures. Let’s explore some of these concepts below:

Drive business

Private label cards offer businesses a range of benefits that can drive customer loyalty, enhance brand recognition, and streamline operations. By offering customizable rewards and loyalty programs tailored to their products or services, businesses can incentivize customers to make repeat purchases while simultaneously collecting data on customer preferences, fostering long-term relationships and brand advocacy.

Cash flow management

Private label cards provide businesses with a valuable tool for cash flow management. By encouraging customers to use their branded cards, companies can receive payments more quickly, improving their working capital and financial flexibility.

Collect data and analytics

One of the key advantages of private label cards is the wealth of data and analytics they provide. Businesses can gain insights into customer spending patterns, preferences, and behaviours, enabling data-driven decision-making and targeted marketing strategies.

Security benefits

Additionally, private label card programs prioritize security and fraud prevention measures. Fintech platforms offering these solutions employ advanced technologies and protocols to safeguard customer information and transactions, providing businesses and their customers with peace of mind.

The differences between private label and co-branded cards

Private label cards are issued by a single retailer or business, bearing their branding and tailored rewards program. Co-branded cards, however, involve a partnership between a merchant and a major card network (Visa, Mastercard), carrying dual branding.

In general, private label cards offer more customization and control for the merchant but may have limited acceptance outside their network. They can also drive stronger loyalty but require more resources to manage.

Co-branded cards, on the other hand, have wider acceptance but less flexibility in terms of rewards/benefits. As they leverage an existing card network's infrastructure, they offer less differentiation.

The choice depends on the merchant's goals; private label are beneficial for deeper customization and loyalty while co-branded cards off wider acceptance and shared resources with a card network partner.

How private label cards work

Private label cards are issued through a collaborative process involving businesses and fintech platforms. Businesses define the card program's features, branding, and reward structure, while fintech platforms handle the technical and operational aspects. As program managers, fintech companies then oversee card issuance, transaction processing, and data management, leveraging their expertise and scalable technologies.

The importance of compliance and adherence to regulatory requirements cannot be underestimated or overlooked when looking at the issuance of private label cards. Fintech platforms need to ensure that card programs comply with industry standards, data privacy laws, and anti-fraud measures, providing businesses with a secure and reliable payment solution. 

Regular audits and risk assessments are conducted to maintain compliance and mitigate potential risks. Businesses must always do their research before engaging in private label card issuance with a fintech platform. 

Examples of use cases

Private label cards can offer a range of use cases across various industries. See several examples below: 

Retail and e-commerce

In the retail and e-commerce sectors, they serve as powerful loyalty tools, incentivizing customers with tailored rewards and exclusive offers. Businesses can leverage these cards to drive repeat purchases and foster brand loyalty. An example would be the Amazon Store Card. 

Corporate expense management

Corporate organizations utilize private label cards for streamlined expense management, enabling employees to make authorized purchases while providing detailed spending data for analysis and budgeting purposes. 

These cards also facilitate employee incentive and recognition programs, rewarding high-performers with customized benefits and privileges. An example of this would be a company card issued to employees to use for company expenses. 

Specific purposes

Additionally, private label cards can be issued as prepaid cards for specific purposes, such as payroll disbursements, gift cards, or restricted-use cards for controlled spending. This versatility allows businesses to tailor card programs to their unique needs, ensuring efficient fund management and targeted usage. 

An example of this could be a corporate-branded preloaded gift card for promotional purposes allowing holders to buy something in-store using the card.

How to create a private label card for your business

With Tap, you can seamlessly integrate private label card programs into your operations. Tap streamlines the entire card issuance and management process, allowing companies to leverage off their advanced technologies and industry expertise. 

By partnering with Tap, you gain access to a scalable and flexible solution, enabling you to launch and adapt card programs efficiently, tailored to your company’s specific needs. Tap's platform offers robust features, real-time analytics, and end-to-end support, empowering every businesses to deliver tailored payment experiences while ensuring compliance and security.

With Tap, you have the power to not only launch and adapt your card programs efficiently but also to customise the fees charged to your users. Our approach is entirely flexible,  allowing you to set charges that align with your clientele's needs. Our platform offers unparalleled freedom, allowing you to tailor your card programs precisely to your company's needs and goals.

Conclusion

In summary, private label cards empower businesses with a versatile payment solution that promotes customer loyalty, optimizes operations, and delivers valuable data insights. Whether for retail, corporate, or specific use cases, private label cards offer a competitive edge through tailored rewards, data-driven strategies, and enhanced customer experiences - paving the way for business growth.

Please contact xxx for further information on setting up your private label card.

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There is no denying that innovation in the technology sector has amplified the fast-paced world of finance, instigating constant transformation from brands that want to stay ahead. As with any fast-paced industry, many trends emerge as companies fight to remain relevant. One such trend we will be exploring is the increase in white-label cards and the companies facilitating the issuing of them. 

The process of issuing white-label cards has emerged as a powerful solution in the fintech space, offering customized payment experiences that cater to the unique needs of both businesses and customers. In this article, we will delve into the world of white-label cards, exploring its benefits, applications, and why it has become such a popular choice for financial institutions and fintech companies.

Understanding white-label cards

White-label cards, also known as private-label credit cards, involve the practice of businesses providing other businesses with the opportunity to offer customized credit or debit cards to their customers. Trusted financial institutions or fintech companies issue these cards on behalf of the businesses, while still reflecting the company's branding.

This approach allows businesses to incorporate their logo and branding on the private label credit card, granting the business ownership and control over the card's identity, all without the burden of creating or designing it from scratch.

By partnering with an established financial institution or fintech company, businesses can save time, effort, and resources by leveraging ready-to-use payment solutions instead of going through the costly and complex process of obtaining licenses from companies like Mastercard or Visa.

The shift toward customized payment solutions

Traditional banking systems have often been perceived as slow in adopting new systems and embracing innovation. As the demand for personalized payment experiences continues to grow, businesses are leveraging the opportunity to keep up with the evolving needs of customers seeking customized payment solutions and private-label credit cards.

Consumers today seek customized solutions that align with their preferences and reflect the brands they trust. This shift in consumer behavior has paved the way for white-label cards and in turn, card issuers, which offers businesses the ability to tailor payment solutions and private-label credit cards to their customers' needs. 

Third-party establishments are now offering streamlined payment solutions to these businesses, allowing them to leverage this new technology without needing to complete extensive and costly onboarding processes. Instead, the card issuing companies undergo this process and once accredited are able to provide full-service payment options to their clients.

With co-branded private-label credit cards, customers can unlock a multitude of rewards, bonus points, and exclusive discounts that can be utilized across various services, retailers, and online shopping platforms. By offering these enticing benefits, businesses are able to enhance the overall purchasing experience for their customers, cultivating loyalty and satisfaction.

Private-label credit cards can also come in the form of virtual cards, allowing users to make online payments or use services like Apple Pay with their unique account that essentially acts as a bank account.

The advantages and benefits of private label credit cards

The advantages of businesses utilizing the services of white-label card issuers are numerous, benefiting not only businesses but individuals too. 

For businesses

Firstly, white-label card programs offer a cost-effective alternative to building an in-house card program. By partnering with established providers, businesses can save on upfront costs, development time, and ongoing maintenance expenses.

White-label card programs also offer flexibility and scalability, making them suitable for businesses of all sizes. Whether you're a startup looking to launch a branded payment card quickly or an established business seeking to enhance your payment offerings, the processing of white-label cards can be tailored to meet your unique requirements.

From a branding perspective, white-label card programs provide businesses with heightened visibility and customer loyalty. By issuing branded payment cards, businesses can strengthen their brand identity and foster a deeper connection with their customers. Customizable card designs, exclusive rewards programs, and personalized customer experiences all contribute to building customer loyalty and market competitiveness.

For consumers

For individuals, white-label cards bring convenience and security. These cards can be seamlessly integrated into existing payment ecosystems, enabling individuals to make secure transactions while enjoying the benefits and perks offered by the businesses they frequent. 

Whether it's earning loyalty points, accessing exclusive discounts, or tracking expenses, white-label cards empower individuals with a seamless and tailored payment experience.

Addressing security and regulatory concerns

As with any financial solution, security and regulatory compliance are paramount. Financial institutions and fintech companies offering white-label card programs implement robust security measures to safeguard cardholder data and prevent fraudulent activities. 

Compliance with industry regulations, such as PCI DSS (Payment Card Industry Data Security Standard), ensures that customer data is handled securely. Additionally, data privacy and protection measures are put in place to give cardholders peace of mind when using white-label cards.

Examples of brands that have launched a private label card

Below are two examples of prominent brands that have embraced the white-label card trend in its early stages.

Square

In 2019, Square, a prominent payment processing company, partnered with Marqeta's white-label card processing platform to introduce the Square Card, a business debit card designed specifically for Square's sellers. This strategic move allowed Square's business customers to gain immediate access to funds, reducing their reliance on traditional banking services. 

By leveraging Marqeta's solution, Square not only expanded its product portfolio but also strengthened its relationships with its existing customer base.

Shopify

Another notable fintech player, Stripe, offers businesses APIs to issue their own credit cards, debit cards, and prepaid cards. Shopify, a renowned e-commerce platform, utilized Stripe's card issuing services to create the Shopify Balance Card, designed to help businesses start, grow and run their operations.

This card enables over 1 million of Shopify’s merchants to access their earnings instantly through a smart money management tool. The response to the launch was immediate and overwhelmingly positive, as over 100,000 small businesses in the United States embraced Shopify Balance accounts within the first four months.

Through the implementation of Stripe's white-label solution, Shopify added significant value to its merchants, setting itself apart from other e-commerce platforms.

Benefits reported in the case studies

Companies that have implemented the processes to issue white-label cards have reported several potential benefits, including:

Speed to market

Utilizing a white-label solution enables companies to launch card programs more swiftly. These solutions handle critical aspects such as regulatory compliance, technology development, card design, and manufacturing, which can be time-consuming and costly to manage in-house.

Cost reduction

White-label solutions generally require less investment than building a card-issuing infrastructure from scratch. Consequently, companies can save costs associated with development, maintenance, and compliance.

Enhanced customer engagement and retention

By offering a branded payment solution, companies can build stronger customer loyalty. Customers appreciate the convenience and exclusive perks that come with these cards, leading to higher engagement and retention rates.

Creation of new revenue streams

Companies can generate additional revenue streams by offering supplementary services through the card, such as cash-back rewards, premium subscriptions, or lending services.

What businesses should consider before implementing

Implementing a white-label card program requires careful planning and consideration. While the benefits listed above have been reported by companies that have implemented these strategies, these outcomes are not guaranteed. Businesses need to collaborate closely with their chosen white-label card issuer to ensure a smooth implementation process. 

This involves outlining the desired features and functionalities, integrating with existing payment infrastructure and systems, and training staff to manage the program effectively. Technical requirements, such as API integrations and data synchronization, should be addressed to ensure a seamless user experience.

Future trends and innovations in white-label card programs

Looking ahead, the future of issuing white-label cards holds great promise, driven by several key factors:

Market demand

The ever-evolving demand for financial services presents a significant opportunity. Regardless of their size or industry, businesses are increasingly seeking to expand their service offerings with payment and financial solutions. 

This trend aims to cultivate customer loyalty and explore new revenue streams. As a result, the demand for issuing white-label cards is expected to continue its upward trajectory.

Technological advancements

Fintech advancements, such as the widespread use of APIs and enhanced security measures, are simplifying the adoption of issuing white-label cards for businesses. As technology continues to progress, platforms issuing white-label cards are poised to become even more efficient, flexible, and secure, providing a seamless experience for both businesses and customers.

Developments in financial institutions' regulations

The regulatory landscape in the financial services sector is undergoing significant changes. Regulatory bodies worldwide are displaying a willingness to embrace fintech innovation, with some jurisdictions creating "fintech sandboxes" that facilitate controlled testing of new financial products. Should this trend persist, it could streamline the process for businesses to launch the issuing of white-label card programs.

The future of companies issuing white-label cards faces challenges primarily from increasing competition in the market. With more companies entering the space, businesses may experience pricing pressures and difficulties in standing out from the competition. To succeed, businesses need to differentiate themselves through innovation, personalized experiences, and strong partnerships.

They must also navigate regulatory uncertainties, address cybersecurity risks, and employ strategies to seize opportunities and overcome challenges in this dynamic sector. Continuous monitoring, agile decision-making, and a proactive approach are essential for businesses operating in the white-label card-issuing industry.

Tap’s white-label card solution

Tap’s business portfolio offers a streamlined card-issuing service to businesses of all kinds. Fully accredited, Tap is able to offer its partnering companies Mastercard-powered private cards for a fraction of the cost and time it would take if done directly with the financial services company.

In 2023, Tap provided Bitfinex, the longest-running and most liquid major crypto exchange, with a white-label prepaid card solution. By providing the behind-the-scenes financial infrastructure, the established exchange provided its clients with a unique payment solution and created a new revenue stream for the business.

With the necessary card-issuing license and already-established in-house processing system in place, businesses can quickly create their own white-label cards through Tap’s fiat and cryptocurrency-to-fiat funded card programs and other innovative services.

Conclusion

White-label card issuing is revolutionizing the payment landscape, with its rise signifying a powerful solution in the fintech space, delivering customized payment experiences that cater to the unique needs of businesses and customers. 

As technology continues to drive innovation, white-label card programs offer speed to market, cost reduction, enhanced customer engagement, and the creation of new revenue streams. However, businesses should carefully consider implementation factors and address potential challenges, such as regulatory compliance and cybersecurity risks. 

The future of private-label credit card issuing appears promising, driven by market demand, technological advancements, and regulatory developments. To capitalize on this trend, businesses must differentiate themselves in a competitive landscape and adapt to evolving market dynamics. 

Tap's white-label card solution exemplifies the potential of such programs, providing businesses with streamlined card-issuing services and opening new opportunities for revenue growth. As the industry continues to evolve, white-label card issuing will play a vital role in shaping the future of finance, enabling seamless and tailored payment experiences for businesses and individuals alike. 

Ever wondered how companies launch those shiny credit cards with their logos on them? Let's dive into the world of card programs and break down everything you need to know to launch one successfully.

What's a card program, anyway?

Think of a card program as your business's very own payment ecosystem. It's like having your own mini-bank, but without the vault, technical infrastructure and security guards. Companies use card programs to offer payment solutions to their customers or employees, whether a store credit card, a corporate expense card, or even a digital wallet.

As you’ve probably figured, the financial world is quickly moving away from cash, and card payments are becoming the norm. In fact, they're now as essential to business as having a product, website or social media presence.

Why should your business launch a card program?

Launching a card program isn't just about joining the cool kids' club – it's about creating real business value and heightened exposure. Here's what you can achieve:

Keep your customers coming back

Remember those loyalty cards from your favourite coffee shop? Card programs take that concept to the next level. When customers have your card in their wallet, they're more likely to choose your business over competitors. Plus, every time they pull out that card, they (and everyone else around) see your brand.

Show me the money!

Card programs open up exciting new revenue streams. You can earn from:

• Interest charges (if applicable)
• Transaction fees from merchants
• Annual membership fees
• Premium features and services
• Insights and information on spending habits

Know your customers better

Want to know what your customers really want? Their spending patterns tell the story. Card programs give you valuable insights into customer behaviour, helping you make smarter business decisions.

Understanding the card program ecosystem

Let's break down the key players in this game:

The dream team

Picture a football team where everyone has a crucial role:

• Card networks (like Visa and Mastercard) are the referees, setting the rules
• Card issuers (like Tap) are the coaches, making sure everything runs smoothly
• Processors (overseen by Tap) are the players, handling all the transactions on the field

Open vs. closed loop: what's the difference?

Open-loop and closed-loop cards differ in where they can be used and who processes the transactions. Let’s break this down:

Open-loop cards:

These cards are branded with major payment networks like Visa, Mastercard, or American Express, and are accepted almost anywhere the network is supported, both domestically and internationally.

Examples: Traditional debit or credit cards, prepaid cards branded by major networks.

Pros: Wide acceptance and flexibility.

Cons: May come with fees for international use or transactions.

Closed-loop cards:

Cards issued by a specific retailer or service provider for exclusive use within their ecosystem. These cards are limited to the issuing brand or select partners.

Examples: Store gift cards (like Starbucks or Amazon), fuel cards for specific gas stations.

Pros: Often come with brand-specific rewards or discounts.

Cons: Limited to specific merchants; less flexibility.

Challenges that may arise

Let's be honest – launching a card program isn't all smooth sailing. Here are the hurdles you'll need to jump:

The regulatory maze

Remember trying to read those terms and conditions? Well, card program regulations are even more complex. You'll need to navigate through compliance requirements that would make your head spin.

Security

Fraud is like that uninvited guest at a party – it shows up when you least expect it. You'll need robust security measures to protect your program and your customers.

We’ve designed our card program to handle these niggles, so that you can bypass the challenges and reap the rewards. With a carefully curated experience, we take care of the setup, programming and hardware so that you can focus on the benefits and users.

Closing thoughts

Launching a card program is like building a house – it takes careful planning, the right tools, and expert help. But when done right, it can become a powerful engine for business growth. 

Contact us to get started on building a card program tailored to your company. After all, the future of payments is digital, and there's never been a better time to get started.

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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 this page 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.

Welcome to Tap’s weekly crypto market recap. 

Here are the biggest stories from last week (8 - 14 July).

💥 Bitcoin breaks new ATH

Bitcoin officially hit above $122,000 marking its first record since May and pushing total 2025 gains to around +20% YTD. The rally was driven by heavy inflows into U.S. spot ETFs, over $218m into BTC and $211m into ETH in a single day, while nearly all top 100 coins turned green.

Read more

📌 Trump Media files for “Crypto Blue‑Chip ETF”

Trump Media & Technology Group has submitted an S‑1 to the SEC for a new “Crypto Blue Chip ETF” focused primarily on BTC (70%), ETH (15%), SOL (8%), XRP (5%), and CRO (2%), marking its third crypto ETF push this year. 

A major political/media player launching a multi-asset crypto fund signals growing mainstream and institutional acceptance, and sparks fresh conflict-of-interest questions. We’ll keep you updated.

Read more.

🌍 Pakistan launches CBDC pilot & virtual‑asset regulation

The State Bank of Pakistan has initiated a pilot for a central bank digital currency and is finalising virtual-asset laws, with Binance CEO CZ advising government efforts. With inflation at just 3.2% and rising foreign reserves (~$14.5b), Pakistan is embracing fintech ahead of emerging-market peers like India.

Read more.

🛫 Emirates Airline to accept crypto payments

Dubai’s Emirates signed a preliminary partnership with Crypto.com to enable crypto payments starting in 2026, deepening the Gulf’s commitment to crypto-friendly infrastructure.

*Not to take away from the adoption excitement, but you can book Emirates flights with your Tap card, using whichever crypto you like. 

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Read more..

🏛️ U.S. declares next week “Crypto Week”

House Republicans have designated 14-18 July as “Crypto Week,” aiming for votes on GENIUS (stablecoin oversight), CLARITY (jurisdiction clarity), and Anti‑CBDC bills. The idea is that these bills could reshape how U.S. defines crypto regulation and limit federal CBDC initiatives under Trump-aligned priorities.

Read more. 

Stay tuned for next week’s instalment, delivered on Monday mornings.