ChatGPT-priser förklarade: Gratis, Plus för 20 dollar eller Pro. Vilken plan passar dig bäst? Jämför alternativen och undvik att betala mer än du behöver med den här kompletta guiden för 2025.
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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
Plan | Monthly Cost | Annual Cost | Best For |
---|---|---|---|
Free | $0 | $0 | Casual users, testing |
Plus | $20 | $20 | Individual professionals |
Team | $30/user | $25/user | Small teams, startups |
Pro | $200/user | $200/user | Power users, researchers |
Enterprise | ~$60+/user | Custom pricing | Large organisations |
🟢 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.
NEWS AND UPDATES

What's driving the crypto market this week? Get fast, clear updates on the top coins, market trends, and regulation news.
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.
📌 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.
🌍 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.
🛫 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.
🏛️ 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.
Stay tuned for next week’s instalment, delivered on Monday mornings.

Millennials and Gen Z are revolutionizing the financial landscape, leveraging cryptocurrencies to challenge traditional systems and redefine money itself. Curious about how this shift affects your financial future? Let's uncover the powerful changes they’re driving!
The financial world is undergoing a significant transformation, largely driven by Millennials and Gen Z. These digital-native generations are embracing cryptocurrencies at an unprecedented rate, challenging traditional financial systems and catalysing a shift toward new forms of digital finance, redefining how we perceive and interact with money.
This movement is not just a fleeting trend but a fundamental change that is redefining how we perceive and interact with money.
Digital Natives Leading the Way
Growing up in the digital age, Millennials (born 1981-1996) and Gen Z (born 1997-2012) are inherently comfortable with technology. This familiarity extends to their financial behaviours, with a noticeable inclination toward adopting innovative solutions like cryptocurrencies and blockchain technology.
According to the Grayscale Investments and Harris Poll Report which studied Americans, 44% agree that “crypto and blockchain technology are the future of finance.” Looking more closely at the demographics, Millenials and Gen Z’s expressed the highest levels of enthusiasm, underscoring the pivotal role younger generations play in driving cryptocurrency adoption.
Desire for Financial Empowerment and Inclusion
Economic challenges such as the 2008 financial crisis and the impacts of the COVID-19 pandemic have shaped these generations' perspectives on traditional finance. There's a growing scepticism toward conventional financial institutions and a desire for greater control over personal finances.
The Grayscale-Harris Poll found that 23% of those surveyed believe that cryptocurrencies are a long-term investment, up from 19% the previous year. The report also found that 41% of participants are currently paying more attention to Bitcoin and other crypto assets because of geopolitical tensions, inflation, and a weakening US dollar (up from 34%).
This sentiment fuels engagement with cryptocurrencies as viable investment assets and tools for financial empowerment.
Influence on Market Dynamics
The collective financial influence of Millennials and Gen Z is significant. Their active participation in cryptocurrency markets contributes to increased liquidity and shapes market trends. Social media platforms like Reddit, Twitter, and TikTok have become pivotal in disseminating information and investment strategies among these generations.
The rise of cryptocurrencies like Dogecoin and Shiba Inu demonstrates how younger investors leverage online communities to impact financial markets2. This phenomenon shows their ability to mobilise and drive market movements, challenging traditional investment paradigms.
Embracing Innovation and Technological Advancement
Cryptocurrencies represent more than just investment opportunities; they embody technological innovation that resonates with Millennials and Gen Z. Blockchain technology and digital assets are areas where these generations are not only users but also contributors.
A 2021 survey by Pew Research Center indicated that 31% of Americans aged 18-29 have invested in, traded, or used cryptocurrency, compared to just 8% of those aged 50-64. This significant disparity highlights the generational embrace of digital assets and the technologies underpinning them.
Impact on Traditional Financial Institutions
The shift toward cryptocurrencies is prompting traditional financial institutions to adapt. Banks, investment firms, and payment platforms are increasingly integrating crypto services to meet the evolving demands of younger clients.
Companies like PayPal and Square have expanded their cryptocurrency offerings, allowing users to buy, hold, and sell cryptocurrencies directly from their platforms. These developments signify the financial industry's recognition of the growing importance of cryptocurrencies.
Challenges and Considerations
While enthusiasm is high, challenges such as regulatory uncertainties, security concerns, and market volatility remain. However, Millennials and Gen Z appear willing to navigate these risks, drawn by the potential rewards and alignment with their values of innovation and financial autonomy.
In summary
Millennials and Gen Z are redefining the financial landscape, with their embrace of cryptocurrencies serving as a catalyst for broader change. This isn't just about alternative investments; it's a shift in how younger generations view financial systems and their place within them. Their drive for autonomy, transparency, and technological integration is pushing traditional institutions to innovate rapidly.
This generational influence extends beyond personal finance, potentially reshaping global economic structures. For industry players, from established banks to fintech startups, adapting to these changing preferences isn't just advantageous—it's essential for long-term viability.
As cryptocurrencies and blockchain technology mature, we're likely to see further transformations in how society interacts with money. Those who can navigate this evolving landscape, balancing innovation with stability, will be well-positioned for the future of finance. It's a complex shift, but one that offers exciting possibilities for a more inclusive and technologically advanced financial ecosystem. The financial world is changing, and it's the young guns who are calling the shots.
Unveiling the future of money: Explore the game-changing Central Bank Digital Currencies and their potential impact on finance.
Since the debut of Bitcoin in 2009, central banks have been living in fear of the disruptive technology that is cryptocurrency. Distributed ledger technology has revolutionized the digital world and has continued to challenge the corruption of central bank morals.
Financial institutions can’t beat or control cryptocurrency, so they are joining them in creating digital currencies. Governments have now been embracing digital currencies in the form of CBDCs, otherwise known as central bank digital currencies.
Central bank digital currencies are digital tokens, similar to cryptocurrency, issued by a central bank. They are pegged to the value of that country's fiat currency, acting as a digital currency version of the national currency. CBDCs are created and regulated by a country's central bank and monetary authorities.
A central bank digital currency is generally created for a sense of financial inclusion and to improve the application of monetary and fiscal policy. Central banks adopting currency in digital form presents great benefits for the federal reserve system as well as citizens, but there are some cons lurking behind the central bank digital currency facade.
Types of central bank digital currencies
While the concept of a central bank digital currency is quite easy to understand, there are layers to central bank money in its digital form. Before we take a deep dive into the possibilities presented by the central banks and their digital money, we will break down the different types of central bank digital currencies.
Wholesale CBDCs
Wholesale central bank digital currencies are targeted at financial institutions, whereby reserve balances are held within a central bank. This integration assists the financial system and institutions in improving payment systems and security payment efficiency.
This is much simpler than rolling out a central bank digital currency to the whole country but provides support for large businesses when they want to transfer money. These digital payments would also act as a digital ledger and aid in the avoidance of money laundering.
Retail CBDCs
A retail central bank digital currency refers to government-backed digital assets used between businesses and customers. This type of central bank digital currency is aimed at traditional currency, acting as a digital version of physical currency. These digital assets would allow retail payment systems, direct P2P CBDC transactions, as well as international settlements among businesses. It would be similar to having a bank account, where you could digitally transfer money through commercial banks, except the currency would be in the form of a digital yuan or euro, rather than the federal reserve of currency held by central banks.
Pros and cons of a central bank digital currency (CBDC)
Central banks are looking for ways to keep their money in the country, as opposed to it being spent on buying cryptocurrencies, thus losing it to a global market. As digital currencies become more popular, each central bank must decide whether they want to fight it or profit from the potential. Regardless of adoption, central banks creating their own digital currencies comes with benefits and disadvantages to users that you need to know.
Pros of central bank digital currency (CBDC)
- Cross border payments
- Track money laundering activity
- Secure international monetary fund
- Reduces risk of commercial bank collapse
- Cheaper
- More secure
- Promotes financial inclusion
Cons of central bank digital currency (CDBC)
- Central banks have complete control
- No anonymity of digital currency transfers
- Cybersecurity issues
- Price reliant on fiat currency equivalent
- Physical money may be eliminated
- Ban of distributed ledger technology and cryptocurrency
Central bank digital currency conclusion
Central bank money in an electronic form has been a big debate in the blockchain technology space, with so many countries considering the possibility. The European Central Bank, as well as other central banks, have been considering the possibility of central bank digital currencies as a means of improving the financial system. The Chinese government is in the midst of testing out their e-CNY, which some are calling the digital yuan. They have seen great success so far, but only after completely banning Bitcoin trading.
There is a lot of good that can come from CBDCs, but the benefits are mostly for the federal reserve system and central banks. Bank-account holders and citizens may have their privacy compromised and their investment options limited if the world adopts CBDCs.
It's important to remember that central bank digital currencies are not cryptocurrencies. They do not compete with cryptocurrencies and the benefits of blockchain technology. Their limited use cases can only be applied when reinforced by a financial system authority. Only time will tell if CBDCs will succeed, but right now you can appreciate the advantages brought to you by crypto.

You might have heard of the "Travel Rule" before, but do you know what it actually mean? Let us dive into it for you.
What is the "Travel Rule"?
You might have heard of the "Travel Rule" before, but do you know what it actually mean? Well, let me break it down for you. The Travel Rule, also known as FATF Recommendation 16, is a set of measures aimed at combating money laundering and terrorism financing through financial transactions.
So, why is it called the Travel Rule? It's because the personal data of the transacting parties "travels" with the transfers, making it easier for authorities to monitor and regulate these transactions. See, now it all makes sense!
The Travel Rule applies to financial institutions engaged in virtual asset transfers and crypto companies, collectively referred to as virtual asset service providers (VASPs). These VASPs have to obtain and share "required and accurate originator information and required beneficiary information" with counterparty VASPs or financial institutions during or before the transaction.
To make things more practical, the FATF recommends that countries adopt a de minimis threshold of 1,000 USD/EUR for virtual asset transfers. This means that transactions below this threshold would have fewer requirements compared to those exceeding it.
For transfers of Virtual Assets falling below the de minimis threshold, Virtual Asset Service Providers (VASPs) are required to gather:
- The identities of the sender (originator) and receiver (beneficiary).
- Either the wallet address associated with each transaction involving Virtual Assets (VAs) or a unique reference number assigned to the transaction.
- Verification of this gathered data is not obligatory, unless any suspicious circumstances concerning money laundering or terrorism financing arise. In such instances, it becomes essential to verify customer information.
Conversely, for transfers surpassing the de minimis threshold, VASPs are obligated to collect more extensive particulars, encompassing:
- Full name of the sender (originator).
- The account number employed by the sender (originator) for processing the transaction, such as a wallet address.
- The physical (geographical) address of the sender (originator), national identity number, a customer identification number that uniquely distinguishes the sender to the ordering institution, or details like date and place of birth.
- Name of the receiver (beneficiary).
- Account number of the receiver (beneficiary) utilized for transaction processing, similar to a wallet address.
By following these guidelines, virtual asset service providers can contribute to a safer and more transparent virtual asset ecosystem while complying with international regulations on anti-money laundering and countering the financing of terrorism. It's all about ensuring the integrity of financial transactions and safeguarding against illicit activities.
Implementation of the Travel Rule in the United Kingdom
A notable shift is anticipated in the United Kingdom's oversight of the virtual asset sector, commencing September 1, 2023.
This seminal development comes in the form of the Travel Rule, which falls under Part 7A of the Money Laundering Regulations 2017. Designed to combat money laundering and terrorist financing within the virtual asset industry, this new regulation expands the information-sharing requirements for wire transfers to encompass virtual asset transfers.
The HM Treasury of the UK has meticulously customized the provisions of the revised Wire Transfer Regulations to cater to the unique demands of the virtual asset sector. This underscores the government's unwavering commitment to fostering a secure and transparent financial ecosystem. Concurrently, it signals their resolve to enable the virtual asset industry to flourish.
The Travel Rule itself originates from the updated version of the Financial Action Task Force's recommendation on information-sharing requirements for wire transfers. By extending these recommendations to cover virtual asset transfers, the UK aspires to significantly mitigate the risk of illicit activities within the sector.
Undoubtedly, the Travel Rule heralds a landmark stride forward in regulating the virtual asset industry in the UK. By extending the ambit of information-sharing requirements and fortifying oversight over virtual asset firms
Implementation of the Travel Rule in the European Union
Prepare yourself, as a new regulation called the Travel Rule is set to be introduced in the world of virtual assets within the European Union. Effective from December 30, 2024, this rule will take effect precisely 18 months after the initial enforcement of the Transfer of Funds Regulation.
Let's delve into the details of the Travel Rule. When it comes to information requirements, there will be no distinction made between cross-border transfers and transfers within the EU. The revised Transfer of Funds regulation recognizes all virtual asset transfers as cross-border, acknowledging the borderless nature and global reach of such transactions and services.
Now, let's discuss compliance obligations. To ensure adherence to these regulations, European Crypto Asset Service Providers (CASPs) must comply with certain measures. For transactions exceeding 1,000 EUR with self-hosted wallets, CASPs are obligated to collect crucial originator and beneficiary information. Additionally, CASPs are required to fulfill additional wallet verification obligations.
The implementation of these measures within the European Union aims to enhance transparency and mitigate potential risks associated with virtual asset transfers. For individuals involved in this domain, it is of utmost importance to stay informed and adhere to these new guidelines in order to ensure compliance.
What does the travel rules means to me as user?
As a user in the virtual asset industry, the implementation of the Travel Rule brings some significant changes that are designed to enhance the security and transparency of financial transactions. This means that when you engage in virtual asset transfers, certain personal information will now be shared between the involved parties. While this might sound intrusive at first, it plays a crucial role in combating fraud, money laundering, and terrorist financing.
The Travel Rule aims to create a safer environment for individuals like you by reducing the risks associated with illicit activities. This means that you can have greater confidence in the legitimacy of the virtual asset transactions you engage in. The regulation aims to weed out illicit activities and promote a level playing field for legitimate users. This fosters trust and confidence among users, attracting more participants and further driving the growth and development of the industry.
However, it's important to note that complying with this rule may require you to provide additional information to virtual asset service providers. Your privacy and the protection of your personal data remain paramount, and service providers are bound by strict regulations to ensure the security of your information.
In summary, the Travel Rule is a positive development for digital asset users like yourself, as it contributes to a more secure and trustworthy virtual asset industry.
Unlocking Compliance and Seamless Experiences: Tap's Proactive Approach to Upcoming Regulations
Tap is fully committed to upholding regulatory compliance, while also prioritizing a seamless and enjoyable customer experience. In order to achieve this delicate balance, Tap has proactively sought out partnerships with trusted solution providers and is actively engaged in industry working groups. By collaborating with experts in the field, Tap ensures it remains on the cutting edge of best practices and innovative solutions.
These efforts not only demonstrate Tap's dedication to compliance, but also contribute to creating a secure and transparent environment for its users. By staying ahead of the curve, Tap can foster trust and confidence in the cryptocurrency ecosystem, reassuring customers that their financial transactions are safe and protected.
But Tap's commitment to compliance doesn't mean sacrificing user experience. On the contrary, Tap understands the importance of providing a seamless journey for its customers. This means that while regulatory requirements may be changing, Tap is working diligently to ensure that users can continue to enjoy a smooth and hassle-free experience.
By combining a proactive approach to compliance with a determination to maintain user satisfaction, Tap is setting itself apart as a trusted leader in the financial technology industry. So rest assured, as Tap evolves in response to new regulations, your experience as a customer will remain top-notch and worry-free.
LATEST ARTICLE

Vad är Badger DAO egentligen?
Badger DAO (BADGER) är en decentraliserad autonom organisation som fokuserar på att bygga produkter och infrastruktur för att föra in Bitcoin i decentraliserad finans (DeFi). I kryptovärlden där Bitcoin och DeFi ofta lever separata liv, skiljer sig Badger genom att bygga broar mellan dem. Plattformen gör det möjligt för Bitcoinägare att delta i Ethereums DeFi-ekosystem utan att behöva sälja eller flytta sina BTC.
Låt oss ta en närmare titt på hur Badger försöker lösa utmaningar kring Bitcoin i DeFi, såsom avkastning, interoperabilitet mellan kedjor och tekniska begränsningar.
TL;DR
Bitcoin i DeFi:
Badger skapar infrastruktur som gör det möjligt att använda Bitcoin i Ethereums DeFi via tokeniserade tillgångar som WBTC och renBTC.
Gemenskapsstyrning:
Som en DAO styrs Badger av BADGER-tokeninnehavare, som röstar om beslut kring utveckling, strategier och hur resurser ska användas.
Flerdelat ekosystem:
Består av BadgerDAO (styrning), Sett Vaults (avkastningsstrategier) och DIGG (en elastisk, BTC-kopplad token).
Bakgrunden till Badger DAO
Plattformen lanserades i december 2020 av Chris Spadafora och ett team av DeFi-entusiaster. Det var en rättvis lansering – ingen förförsäljning, inga riskkapitalbolag. Målet var tydligt: göra det möjligt att använda sin Bitcoin inom DeFi-appar utan att tappa exponeringen mot BTC:s prisrörelser.
Badger vill bryta ner de hinder som Bitcoin historiskt haft i DeFi-sammanhang – som begränsade avkastningsmöjligheter, isolerade ekosystem och tekniska svårigheter – genom att använda DAO-styrning och automatiserade strategier.
Sedan lanseringen har plattformen fortsatt utvecklas genom att skapa nya “vaults”, samarbeta med andra DeFi-protokoll och lansera DIGG – en token med elastisk tillgång som speglar Bitcoins pris.
Hur fungerar Badger-plattformen?
Badgers struktur bygger på tre huvudkomponenter:
- BadgerDAO – styrningslagret där innehavare av BADGER-token röstar om förändringar i protokollet och resursanvändning.
- Sett Vaults – “valv” som automatiskt distribuerar tokeniserad BTC i DeFi-protokoll för att generera avkastning.
- DIGG – en elastisk token som speglar BTC:s pris genom att justera sin tillgång utifrån marknadsvärdet.
Governance-funktionen körs på Ethereum, där användarna själva kan föreslå och rösta om förändringar. När någon sätter in sin tokeniserade Bitcoin i en Sett Vault, placeras den automatiskt i olika strategier som optimerats för att generera avkastning – utan att man behöver göra det manuellt.
Hur skyddar Badger användarnas tillgångar?
Badger har byggt en säkerhetsinfrastruktur som inkluderar granskningar från flera oberoende säkerhetsföretag. Protokollet använder även en “timelock” för governance-beslut, vilket innebär att användare hinner agera innan ändringar träder i kraft.
Viktigt att känna till är att Badger utsattes för en säkerhetsincident i december 2021, då cirka 120 miljoner dollar förlorades. Efter det har plattformen satsat på att återskapa förtroendet genom förbättrad säkerhet, fler granskningar och ett starkare community-styrt beslutsfattande.
Protokollets treasury innehåller även en försäkringsfond som kan användas vid oförutsedda händelser.
Fördelarna med Badger-plattformen
Badger gör det enklare för Bitcoinägare att delta i DeFi jämfört med traditionella metoder. Plattformen automatiserar strategier och optimerar avkastning, vilket minskar behovet av teknisk kunskap.
Samtidigt hanterar Badger två av de största utmaningarna för Bitcoin i DeFi:
- Fragmentering – Badger sammanför olika tokeniserade BTC-tillgångar och protokoll i ett enda gränssnitt.
- Tekniska hinder – Gränssnittet är utformat för att vara tillgängligt även för de som inte är tekniskt insatta.
Efter säkerhetsincidenten 2021 har Badger utökat sitt fokus med bättre skydd, planer för multi-chain-support och fler samarbetsprojekt – särskilt inom Layer 2-lösningar och DeFi-protokoll med behov av Bitcoin-likviditet.
Användningsområden för BADGER
Badger gör det möjligt för både privatpersoner och företag att använda sina Bitcoininnehav i DeFi – oavsett om det gäller yield farming, likviditetsutbud eller att låna med BTC som säkerhet utan att sälja den.
Plattformen kombinerar Bitcoins styrka som värdebevarare med DeFi:s avkastningsmöjligheter, vilket ger användarna större kontroll och flexibilitet över sina tillgångar.
Företag kan dessutom använda Badger för att skapa Bitcoinstrategier som ger avkastning utan att ta onödiga risker, tack vare plattformens säkerhetsfokus och interoperabilitet mellan olika blockkedjor.
Så köper du BADGER
Vill du lägga till BADGER i din kryptoplånbok? Då kan du enkelt köpa och sälja tokenen direkt i Tap-appen (efter att du slutfört registrering och verifiering).
Ladda ner appen för att komma igång.

Harvest Finance is a decentralised yield farming protocol that automates the process of earning maximum returns on crypto investments. Launched in 2020 on the Ethereum blockchain, it functions as a yield aggregator that automatically moves users' funds between different DeFi protocols to capture the highest available yields. It now operates on additional blockchains such as Binance Smart Chain and Polygon.
The platform was designed to solve one of the biggest challenges in DeFi yield farming: the time and expertise needed to constantly monitor and switch between different protocols to maximise returns. Instead of users having to do this manually, Harvest Finance does it automatically, making yield farming accessible to everyone.
TLDR
Automated yield farming: Harvest Finance is a DeFi protocol that automatically farms the highest yields available from various DeFi protocols and pools, optimising returns using advanced farming techniques.
Yield aggregator: Harvest Finance serves as a yield aggregator where assets are deposited into strategic vaults to maximise their yield.
Vault system: Users deposit their crypto assets into specialised vaults, receiving fTokens in return that represent their share of the vault and accumulated rewards.
Native token (FARM): FARM is the governance token that allows holders to vote on protocol parameters and share in farming revenue. FARM token holders can vote on proposals for the operational treasury and may receive a fee from Harvest operations
What is Harvest Finance (FARM)?
Harvest Finance simplifies the complex world of yield farming by creating an automated system that does the hard work for users. When you deposit your crypto into a Harvest vault, the protocol automatically deploys your funds to various DeFi platforms that offer the best returns at any given time.
Think of it like having a professional fund manager for your crypto, but instead of a human making decisions, smart contracts automatically move your money to wherever it can earn the most. The protocol automatically farms the highest yield by moving funds between farming pools on your behalf, eliminating the need for users to constantly research and switch between different platforms.
The platform supports various types of assets including stablecoins, popular cryptocurrencies, and liquidity pool tokens. When you deposit assets, you receive fTokens (like fUSDC for USDC deposits) that represent your share of the vault and track your earnings over time.
Harvest Finance's goal is to make yield farming more accessible by automating the process and optimising the potential returns using the latest farming techniques, bringing sophisticated DeFi strategies to everyday users.
Who created Harvest Finance?
The founders of Harvest Finance remain anonymous, which was common for many DeFi projects launched in 2020. The team is completely anonymous, though the project succeeded in attracting a relatively sizable community and has been involved in the community by doling out grants.
Despite the anonymous nature of the founding team, Harvest Finance has built a strong reputation in the DeFi community through its transparent operations and community involvement. The token was distributed via fair launch with no token sales to investors, demonstrating the team's commitment to decentralised principles.
The project launched during the height of the 2020 DeFi summer when yield farming became extremely popular, and the anonymous team capitalised on the growing demand for automated yield optimisation tools.
How does Harvest Finance work?
Vault Strategy System
The platform operates through a system of specialised vaults, each designed for different types of assets and risk profiles. When you deposit crypto into a vault, you receive fTokens that represent your share of that vault's total holdings.
The magic happens behind the scenes, where the protocol's strategies automatically deploy your funds to various DeFi protocols like Compound, Curve, Uniswap, and others based on where they can earn the highest yields. The system constantly monitors yield opportunities and automatically rebalances to maximise returns.
Automated Yield Optimisation
Harvest Finance's protocol design automatically farms the highest available yields and distributes the profits to users in the pool. This means users don't need to understand the complexities of different DeFi protocols or spend time managing their positions.
The protocol uses sophisticated algorithms to determine the best allocation of funds across different yield farming opportunities, taking into account factors like APY rates, smart contract risks, and gas costs for rebalancing.
Profit Sharing Model
When the automated strategies generate profits, these are shared among all users in the vault proportional to their deposits. A portion of the profits is also distributed to FARM token holders who stake their tokens in profit-sharing pools, creating an additional incentive layer for the community.
What is FARM?
FARM serves as the governance and profit-sharing token of the Harvest Finance ecosystem:
- Governance Rights: Holders can vote on protocol parameters and propose or veto the introduction of new Vaults, giving the community control over the platform's direction.
- Profit Sharing: FARM, when deposited in Profit Sharing pools, becomes a means of participating in farming revenue, allowing token holders to earn a share of the protocol's success.
- Protocol Incentives: Harvest at launch required a native crypto so as to be able to incentivise yield farmers, and allow Harvest to stake other platforms and collect rewards in return.
- Community Participation: The token creates alignment between users and the protocol's long-term success, as both benefit from higher yields and more efficient farming strategies.
FARM operates as an ERC-20 token on Ethereum, making it compatible with the broader DeFi ecosystem and easily tradeable on decentralised exchanges. While FARM is originally an ERC-20 token, it also exists on other blockchain platforms such as Polygon and Binance Smart Chain, expanding to multiple blockchains to offer yield farming opportunities across different ecosystems
How can I buy and sell FARM?
For those looking to participate in automated yield farming, FARM tokens are readily available through the Tap app. You can purchase, sell, and store FARM tokens securely while managing them alongside your broader crypto portfolio.

Numeraire är ett banbrytande projekt som kombinerar dataanalys, AI och blockchain för att skapa vad som beskrivs som världens första AI-drivna och crowdsourcade hedgefond. Det grundades i oktober 2015 av Richard Craib, en sydafrikansk teknolog, och representerar ett helt nytt sätt att närma sig finansmarknaderna.
I stället för att förlita sig på traditionella analytiker, låter Numerai tusentals data scientists världen över tävla om att bygga de mest träffsäkra maskininlärningsmodellerna för börsprognoser – modeller som sedan styr hedgefondens faktiska investeringsbeslut.
TL;DR
AI-styrd hedgefond:
Numeraire (NMR) är en Ethereum-baserad token som används i Numerai – en hedgefond baserad i San Francisco som fattar beslut med hjälp av AI, utan mänskliga känslor.
Data science-tävling:
Numerai anordnar världens tuffaste datatävling, där deltagare belönas med NMR-tokens för modeller som förbättrar fondens resultat. Mer än 200 000 USD delas ut varje månad.
Crowdsourcade prognoser:
Deltagare använder Numerais krypterade data för att skapa maskininlärningsmodeller och skicka in sina prognoser, som sedan utvärderas och belönas.
Staking-mekanism:
För att delta måste användare hålla och satsa NMR-tokens – både för att visa förtroende för sina modeller och för att få tillgång till olika funktioner i ekosystemet.
Hur fungerar Numeraire?
Numerai använder ett unikt system där hedgefondens strategi formas av en global datatävling. Så här går det till:
- Numerai släpper anonymiserad, krypterad finansiell data varje vecka.
- Data scientists laddar ner datan och bygger modeller som förutspår hur aktier kommer prestera.
- Prognoserna skickas in och utvärderas utifrån hur väl de stämmer med marknadsutfallet.
För att delta på riktigt måste deltagare satsa (stakea) NMR-tokens på sina inskickade modeller. Går det bra? Då får de mer NMR. Går det dåligt? Då förloras en del av insatsen. Den här mekanismen uppmuntrar till kvalitet framför kvantitet – du måste tro på dina egna modeller.
Till skillnad från många andra projekt använder Numerai inte en enskild vinnande modell. Istället kombineras de mest framgångsrika bidragen till en större “meta-modell” som fonden baserar sina investeringar på. Det gör systemet mer motståndskraftigt än om man bara litade på en enda förutsägelse.
Vem skapade Numeraire?
Richard Craib grundade Numerai 2015. Han studerade matematik och ekonomi vid University of Cape Town och senare på University of California, Berkeley. Innan Numerai arbetade han inom globala aktiemarknader, bland annat på Prudential (M&G).
Craib ville bygga en ny typ av hedgefond – en som drivs av kollektiv intelligens, transparenta incitament och teknik, snarare än traditionella analytiker. Numerai har sedan dess vuxit till att attrahera några av världens skarpaste data scientists.
Vad är NMR?
NMR är den inbyggda tokenen i Numerai-ekosystemet och används för flera viktiga funktioner:
- Tävlingar: Deltagare måste satsa NMR för att delta i tävlingarna och tjäna belöningar.
- Styrning: Tokeninnehavare kan delta i beslut kring plattformens framtid och förändringar.
- Incitament: Den staking-baserade modellen säkerställer att deltagarna bidrar med seriösa modeller.
- Belöningar: Numerai delar ut över 200 000 USD i NMR varje månad till framgångsrika modeller.
Tokenen är en ERC-20-token och fungerar smidigt inom hela Ethereum- och DeFi-ekosystemet.
Hur kan jag köpa och sälja NMR?
Du kan enkelt köpa, sälja och hantera NMR direkt i Tap-appen, tillsammans med dina övriga kryptotillgångar. Appen erbjuder ett enkelt gränssnitt och säker förvaring, vilket gör det lätt att komma igång.
Värt att nämna är att NMR:s utveckling är nära kopplad till Numerais hedgefonds framgång och tillväxten av dess globala nätverk av data scientists.

Livepeer är ett decentraliserat nätverk för videostreaming, med målet att göra videoinnehåll mer tillgängligt och prisvärt för alla. Projektet lanserades 2017 och var det första fullt decentraliserade live-videoprotokollet – ett alternativ till traditionella, centraliserade streamingtjänster som YouTube och Twitch.
Plattformen fungerar genom att koppla samman innehållsskapare med datoroperatörer som tillhandahåller datorkraft. Denna peer-to-peer-modell kan minska kostnaderna för videobehandling med upp till 50–90 % jämfört med molnbaserade lösningar, samtidigt som kvaliteten bibehålls.
TL;DR
Decentraliserad videoinfrastruktur:
Livepeer bygger ett nätverk där AI-bearbetning och videotranskodning kan utföras av oberoende noder i stället för dyra serverhallar.
Kostnadseffektiv streaming:
Tack vare sin decentraliserade marknadsplats kan Livepeer erbjuda konkurrenskraftiga priser och tillförlitliga tjänster till utvecklare och plattformar.
Ethereum-baserat protokoll:
Byggt på Ethereum ger det utvecklare frihet att skapa videolösningar utanför storföretagens kontroll.
LPT-tokenen:
Livepeers inbyggda token används för staking och styrning av nätverket, inte som direkt betalningsmedel.
Hur fungerar Livepeer?
När någon vill streama video använder de normalt stora serverhallar för att bearbeta innehållet. Livepeer gör det istället möjligt att distribuera jobbet över ett globalt nätverk av datorer – så kallade orchestrators – som hjälper till att transkoda video till olika kvaliteter (t.ex. 1080p, 720p, 480p). Det gör att videor fungerar oavsett enhet eller internetuppkoppling.
Det här gynnar både innehållsskapare, tittare och datoroperatörer:
- Skapare betalar mindre för högkvalitativ streaming
- Operatörer tjänar pengar genom att bidra med datorkraft
- Tittare får samma upplevelse som på traditionella plattformar
För utvecklare innebär det ett billigt, flexibelt och decentraliserat alternativ till att själva bygga upp videoinfrastruktur.
Vem ligger bakom Livepeer?
Livepeer grundades 2017 av Doug Petkanics (CEO) och Eric Tang (CTO) – två mjukvaruutvecklare med lång erfarenhet av startupvärlden. Doug har tidigare varit med och grundat Wildcard och studerat vid University of Pennsylvania, medan Eric är teknisk visionär med fokus på hur blockchain kan effektivisera streaming.
De såg hur videoinnehåll blev allt dyrare att distribuera, samtidigt som några få stora aktörer kontrollerade större delen av infrastrukturen. Livepeer föddes ur idén att göra streaming mer öppet och decentraliserat – utan att tumma på kvalitet eller prestanda.
Transkodningsnätverket
Grunden i Livepeer är dess videotranskodningsnätverk. Varje gång en video ska streamas behöver den konverteras till flera olika format för att fungera på olika enheter och nätverk. Det är det här jobbet som Livepeer distribuerar över tusentals datorer världen över.
Operatörerna tävlar om att erbjuda bästa möjliga tjänst till lägsta pris, vilket skapar ett naturligt effektivt system där kvalitet och kostnad balanseras.
Säkerhet och staking
För att få utföra arbete i nätverket måste operatörerna stakea LPT-tokens. Det fungerar som en säkerhetsinsats – om de fuskar eller levererar dålig service riskerar de att förlora sina tokens. Det här håller kvaliteten hög.
Andra användare kan också välja att delegera sina LPT till operatörer de litar på, och i gengäld få en andel av belöningarna, utan att själva behöva köra någon hårdvara.
Ekonomiska incitament
Livepeer fungerar som en öppen marknadsplats för videobearbetning. De operatörer som erbjuder bäst kombination av pris, tillförlitlighet och kvalitet får jobben. Själva betalningarna sker i ETH eller andra kryptovalutor, medan LPT används för staking, governance och belöningar.
Vad är LPT?
LPT är Livepeers native token och används inte främst som betalmedel utan för att:
- Säkra nätverket: Operatörer måste stakea LPT för att få jobba i nätverket
- Styra protokollet: Tokeninnehavare kan rösta om viktiga beslut och uppgraderingar
- Få belöningar: Genom delegation kan du få en del av intäkterna från operatörer
- Utföra arbete: LPT representerar rätten att bidra till nätverket och tjäna på videobearbetning
Tokenen följer en inflationsmodell där nya LPT skapas som belöning – men värdet balanseras av användning och nätverkets tillväxt.
Hur köper och säljer man LPT?
Nyfiken på att utforska LPT? Du kan enkelt köpa, sälja, handla och lagra Livepeer-tokenen direkt i Tap-appen – tillsammans med dina andra digitala tillgångar.
Eftersom LPT:s värde är kopplat till hur mycket Livepeers infrastruktur används, påverkas efterfrågan av hur många utvecklare och innehållsskapare som väljer att bygga på plattformen.

Polkastarter represents one of the leading decentralised launchpad platforms in the blockchain ecosystem, focused on empowering early-stage crypto projects to raise funds and launch tokens. First launched in December 2020, it has established itself as a prominent player in the Initial DEX Offering (IDO) space, providing a secure and efficient environment for project launches.
The platform has facilitated the launch of over 100 projects, demonstrating its significant impact on the crypto funding landscape. Polkastarter also features a dedicated marketing team, including video production and design, providing support beyond just the technical infrastructure.
TLDR
Multi-chain launchpad: Polkastarter is a decentralised platform that enables crypto projects to conduct token sales and fundraising campaigns across multiple blockchain networks.
Fixed-price swaps: The platform's main offering is its fixed-swap smart contract, which allows projects to easily launch liquidity pools that execute orders at a fixed price, rather than using traditional AMM models.
Cross-chain support: Polkastarter currently supports Ethereum, BNB Chain, Polygon, Celo, and Avalanche, providing flexibility for projects across different ecosystems.
Native token (POLS): POLS serves as the platform's utility token, providing access to IDO participation, governance rights, and various platform benefits.
What is Polkastarter (POLS)?
Polkastarter is a decentralised launchpad platform designed to democratise access to early-stage crypto investments through Initial DEX Offerings (IDOs). The platform serves as a bridge between innovative blockchain projects seeking funding and investors looking for early access to promising tokens.
The platform's core innovation lies in its fixed-swap mechanism, which provides predictable pricing for token sales rather than the variable pricing models used by automated market makers. This approach offers greater transparency and certainty for both projects and investors during token launch events.
Beyond the launchpad functionality, Polkastarter runs an internal incubation and advisory program, bringing together experience and lessons learned from 100+ project launches to nurture and grow Web3 projects, helping to ensure that projects launched on the platform receive proper guidance and support.
The platform takes security seriously by carefully reviewing each project before allowing it to launch. This screening process helps ensure that only legitimate, high-quality projects reach investors, protecting users from scams and poorly developed tokens.
Who created Polkastarter?
Polkastarter was founded in 2020 by Daniel Stockhaus, Tiago Martins, and Miguel Leite. The founding team brought together diverse expertise in business development, technology, and product management to address the growing need for reliable fundraising infrastructure in the decentralised finance space.
Daniel Stockhaus serves as CEO and Co-founder, leading the platform's strategic direction and business development efforts. Under his leadership, the platform has grown from a startup concept to one of the most recognised launchpad platforms in the crypto industry.
The founding team recognised the challenges faced by early-stage crypto projects in accessing capital and the difficulties investors encountered in finding legitimate investment opportunities. Their solution was to create a platform that could serve both sides of this equation while maintaining high standards for security and project quality.
How does Polkastarter work?
Launchpad mechanism
To participate in token launches, users need to hold POLS tokens, with different amounts unlocking various access levels. The more POLS you hold, the better your chances of getting into popular launches and the more you can invest.
Projects set fixed prices for their tokens rather than using changing market prices. This means investors know exactly what they're paying and how many tokens they'll get before they invest.
Multi-chain infrastructure
Polkastarter works across several different blockchains, so projects can pick the one that best fits their needs. Some chains have lower fees, others are faster, and some have different user communities.
Project curation and support
As mentioned above, before any project can launch on Polkastarter, it goes through a thorough review process. The team checks the technology, verifies who's behind the project, and evaluates whether the business makes sense.
Projects also get help with marketing, strategy advice, and technical support to give them the best chance of success both during their launch and afterwards.
What Is POLS?
POLS is the native utility token of the Polkastarter ecosystem, serving a range of functions within the ecosystem:
- Tier access: Users must hold and stake POLS tokens to access different participation tiers in IDO launches, with higher holdings providing better benefits and guaranteed allocations.
- Governance rights: POLS holders can participate in platform governance decisions, voting on proposals that affect the platform's future development and policies.
- Staking rewards: Token holders can stake their POLS to earn rewards while maintaining their tier status for IDO participation.
- Platform fees: POLS can be used to pay for various platform services and may provide discounts on transaction fees.
How can I buy and sell POLS?
POLS tokens are available on Tap, allowing verified users to easily buy, sell, and trade the token. Before investing in POLS, we encourage you to consider how useful the token is on the Polkastarter platform and how much the launchpad space is growing. The token’s value depends largely on the platform’s success and how widely IDO fundraising is adopted.

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.
📌 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.
🌍 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.
🛫 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.
🏛️ 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.
Stay tuned for next week’s instalment, delivered on Monday mornings.
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