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

We’re excited to share that XTP trading is officially back online in the Tap app!
Following the successful integration of ProBit, a trusted exchange that continues to support XTP, users can now trade seamlessly within the app once again. This marks an important step in restoring access and strengthening the trading experience for our community
We know that waiting isn’t always easy, and we want to sincerely thank you for your patience and continued support throughout this transition. Your trust drives everything we do.
As always, we’re working behind the scenes to bring you more ways to access and use XTP, stay tuned for what’s next.
The Tap team.

If you're looking for a smart way to get more out of your money, here's a little insider tip: locking XTP tokens in the Tap app could be a game-changer. It’s a quick, no-fuss move that unlocks premium features, slashes your fees, and gives you access to exclusive perks (just for being a savvy user). We’re all about helping make your money work harder for you, without jumping through hoops.
Let’s talk about it: the power of premium tiers
Locking your XTP isn’t just about holding onto digital assets, it’s your key to real, everyday savings. Essentially, the more XTP you lock, the more perks you unlock. It really is just a straightforward tiered system that rewards you.

Real-world savings: where you'll see the difference
Lower trading fees
Every transaction costs less when you lock XTP for a premium account, creating significant savings for active traders. The higher your tier, the more you save on each trade, keeping more profits in your wallet where they belong.
Example: A trader making €10,000 in monthly transactions could save hundreds in fees annually by moving from Essential to Plus tier, and thousands by reaching Premier or higher tiers.
Cashback rewards that add up
Getting up to 8% Cashback on your purchases isn’t just a nice-to-have - it’s like getting a discount every time you spend. No extra steps, just more value back in your pocket.
- Coffee runs: Daily €5 coffee becomes €4.60 with the Prestige tier (8% back)
- Weekly groceries: €200 shopping trip returns €16 with Platinum tier (6% back)
- Major purchases: €1,000 electronics purchase gives you €40 back with Premier tier (4% back)
Even at the Plus tier (€300 worth of XTP locked), your 1.5% Cashback quickly adds up, especially for regular spenders.
Fee-free ATM withdrawals
Premium tiers include greater ATM withdrawal limits, saving you those pesky fees that add up quickly:
- Prestige: Unlimited free withdrawals
- Platinum: €1,000 free monthly withdrawals
- Other Premium Tiers: free monthly withdrawals up to €500.
This benefit alone can save hundreds annually for frequent travellers or cash users.
Foreign exchange rate advantages
As a premium member, you get access to exclusive exchange rates when you're travelling or shopping internationally. The higher your tier, the better the rates, meaning you can save big on every global purchase you make.
Maximising your XTP strategy
Step 1: Calculate your spending patterns
Analyse your monthly expenses across categories like everyday purchases, trading activity, and ATM usage to determine which tier offers you the best return on your locked XTP.
Step 2: Consider your lock-up timeline
The beauty of XTP locking is flexibility - you're not permanently parting with your assets but rather unlocking access to a full suite of premium features while still maintaining full control.. Note that the lock-in time frame is one year.
Step 3: Start your journey
Begin with a tier that matches your comfort level and upgrade as you experience the benefits firsthand:
- Download the Tap app and verify your account
- Buy your desired amount of XTP
- Select Upgrade from the bottom menu on the home screen
- Choose your desired plan and follow the instructions.
Additional premium perks
Your locked XTP doesn't just save you money, it elevates your entire financial experience:
- Priority support: Direct access to premium fast track assistance when you need it
- Higher spending limits: Up to €30,000 monthly card spending limits for Prestige members
- Exclusive market insights: Premium crypto market newsletters and insights
- Multi-currency capabilities: Seamless management of various currencies
The bottom line
Whether you're a casual user or power trader, there's a premium tier designed to put more money back in your pocket through reduced fees, enhanced Cashback, and exclusive benefits that add real value to your financial journey.
For those willing to stake their claim in the premium territory, the rewards are clear: reduced fees, elevated features, and an experience built for those who demand more from their money.

We want to inform you that XTP trading will be temporarily paused starting today on the Tap app. We’ll be temporarily pausing XTP trading on the Tap app. This short pause will give us the time we need to complete the integration of ProBit, an exchange that continues to support XTP trading.
We sincerely apologise for any inconvenience caused by the Bitfinex delisting. XTP was removed alongside several other major tokens, and the short notice left limited time to implement an alternative solution. We moved quickly, and the integration with ProBit an exchange that supports XTP is already in progress.
Here’s what you need to know:
- XTP trading will be paused for a few days
- We’re integrating ProBit into our trading engine
- Once that’s done, XTP trading will resume as usual in the app
- We’re also in active talks with several other exchanges to expand access to XTP
We know how important XTP is to many of you, and it’s at the heart of the Tap ecosystem. Thank you for your patience and continued trust. We’ll keep you updated and let you know the moment trading goes live again.
The Tap Team

Dear Tap Community,
We want to share an important update regarding the XTP token and Bitfinex. As part of a broader internal review, Bitfinex has decided to delist several tokens, including XTP along with other notable projects like The Graph (GRT), Notcoin (NOT), and seven others as part of their platform review. This appears to be a broader shift in Bitfinex's listing strategy rather than something specific to XTP.
What’s Next for XTP
The good news? XTP remains at the heart of everything we do! 💙 Our token continues to power all the awesome features you love - our tier structure, rewards, and the entire Tap ecosystem. This change doesn't affect our exciting roadmap or our vision for the future.
Here’s what we’re doing to keep things moving forward:
ProBit Integration in Progress:
Our dev team is already working on integrating ProBit (where XTP currently trades) into our Trading Engine. This will create a seamless trading experience right within our platform!
New Exchange Adventures:
We're in exciting talks with several exchanges to give XTP even more trading homes! While we need to keep the details under wraps for now (those NDAs, am I right?), know that we're pushing hard to create more options for our community.
Community First:
Remember to withdraw your tokens from Bitfinex before July 15, 2025, if you haven't already. We're here to help if you need guidance on this!
The Road Ahead 🛣️
Even in challenging markets, we see incredible opportunities for growth! Here's what's cooking:
- More XTP Utility: We're whipping up new ways for XTP to shine in our ecosystem
- Cool New Features: Q2 is going to bring some exciting platform upgrades
- Let's Talk More: We'll be sharing updates more frequently so you're always in the loop
We're so grateful for this amazing community! 🙏 Together, we've weathered challenges before, and we'll come out stronger this time too. The crypto landscape is always evolving, and we're evolving with it.
We’re deeply invested in the future of XTP - and we’re just getting started. 👏
The Tap Team

Near Protocol tillhör den nya generationen blockkedjeplattformar som sätter användarvänlighet och skalbarhet i fokus. Plattformen lanserades 2020 och erbjuder ett snabbare och mer effektivt alternativ till äldre blockkedjenätverk, utan att kompromissa med säkerheten.
Efter flera års utveckling har Near Protocol etablerat sig som en stark aktör inom kategorin layer-1 blockkedjor.
Sammanfattning:
- Skalbart och utvecklarvänligt: Near Protocol är en decentraliserad layer-1-blockkedja byggd för hög skalbarhet och enkel utveckling av decentraliserade appar (dapps).
- Sharding och låga avgifter: Använder ett unikt shardat Proof-of-Stake-system (Nightshade) för effektiv transaktionshantering och låga kostnader.
- Cross-chain interoperabilitet: Rainbow Bridge möjliggör sömlösa överföringar mellan Near och Ethereum.
- NEAR-token: Det inhemska ekosystemet drivs av NEAR, som används för transaktioner, staking och styrning, med ett totalt utbud på 1,23 miljarder tokens.
Vad är Near Protocol (NEAR)?
Near Protocol är en decentraliserad blockkedjeplattform skapad för att vara både användarvänlig och skalbar. Plattformen stödjer utveckling av decentraliserade applikationer (dapps) med särskilt fokus på att förenkla användarupplevelsen för både utvecklare och slutanvändare.
Near använder en variant av Delegated Proof-of-Stake (DPoS) som kallas Nightshade, där nätverket delas upp i flera parallella segment (shards) som behandlar transaktioner samtidigt. Resultatet är snabba transaktioner, låga avgifter och en betydligt mindre miljöpåverkan jämfört med traditionella Proof-of-Work-nätverk.
En annan viktig funktion är att Near tillåter mänskligt läsbara kontonamn, vilket gör användarinteraktionen enklare då långa, svårtydda plånboksadresser elimineras. Plattformen stödjer dessutom WebAssembly (WASM) och erbjuder utvecklarverktyg som förenklar byggandet av dapps.
Med hjälp av Rainbow Bridge erbjuder Near smidiga tillgångsöverföringar mellan Near och Ethereum, vilket skapar större interoperabilitet inom blockkedjevärlden. Ekosystemet har lockat projekt inom DeFi, NFT:er, spel och sociala applikationer.
Vem grundade Near Protocol?
Near Protocol grundades av Erik Trautman, en entreprenör med bakgrund från Wall Street och grundare av Viking Education. Han samarbetade med två tekniska medgrundare: Illia Polosukhin, tidigare utvecklare på Google, och Alexander Skidanov, tidigare ingenjör på Microsoft och Director of Engineering på memSQL.
Teamet kombinerade expertis inom finans, maskininlärning och distribuerade system för att ta itu med skalbarhetsproblemen som blockchain-nätverk stod inför.
Near utvecklades för att erbjuda en plattform som kan möta behoven för bredare användning utan att tumma på säkerhet och decentralisering. Idag stöds projektet av Near Foundation i Schweiz, som sköter styrning och tillväxt av ekosystemet.
Hur fungerar Near Protocol?
Konsensus och arkitektur
Near Protocol använder en shardad arkitektur kallad Nightshade som delar nätverket i flera delar (shards) där transaktioner hanteras parallellt. Detta möjliggör horisontell skalning och effektiv transaktionshantering.
Med hjälp av mekanismen Doomslug kan Near dessutom uppnå nära omedelbar transaktionsfinalitet, vilket innebär att transaktioner anses vara slutgiltiga direkt efter bekräftelse.
Nätverket bygger på en unik shardad Proof-of-Stake-modell där innehavare av NEAR-tokens kan stakea sina tokens eller delegera dem till validerare som säkrar nätverket.
Smart contracts och utvecklarstöd
Near stödjer smarta kontrakt skrivna i Rust och JavaScript, som kompileras till WebAssembly (WASM). Detta ger utvecklare flexibilitet att bygga komplexa applikationer med bekanta språk.
Användarvänliga funktioner
Near erbjuder mänskligt läsbara kontonamn och funktioner som återställningsbara konton, flerpartsautentisering och möjligheten att sponsra transaktionsavgifter för andra användare – vilket förenklar användarupplevelsen ytterligare.
Cross-chain interoperabilitet
Med Rainbow Bridge kan användare flytta tillgångar mellan Near och Ethereum sömlöst, vilket ökar nyttan och integrationen mellan blockkedjor.
Vad är NEAR?
NEAR är den inhemska tokenen inom Near-ekosystemet och används till flera ändamål:
- Betalning av transaktionsavgifter och lagringskostnader
- Staking för att bidra till nätverkets säkerhet och få belöningar
- Röstning och deltagande i protokollets styrning
Tokenen följer en inflationsmodell med ett tak på totalt 1,23 miljarder tokens, varav cirka 1,18 miljarder redan är i omlopp vid tiden för skrivandet.
Hur kan jag köpa och sälja NEAR?
Du kan enkelt köpa, sälja, handla och förvara NEAR genom Tap-appen. På Tap kan du hantera NEAR tillsammans med dina andra digitala tillgångar och få en sömlös och säker användarupplevelse.

Imagine you have euros in your wallet but need to spend dollars at a store. You'd need to exchange your currency first, right? Wrapped crypto works in a similar way, but for blockchain assets.
Wrapped cryptocurrency is a tokenised version of another crypto asset that lives on a different blockchain. Think of it as your original crypto asset wearing an outer layer that lets it work on another blockchain network. For example, Bitcoin can't naturally function on the Ethereum network because they're separate systems with different rules.
But by "wrapping" Bitcoin, you get a token that represents Bitcoin's value while being compatible with Ethereum's ecosystem.
This seemingly simple innovation has become a cornerstone of decentralised finance (DeFi), allowing assets to move between otherwise isolated blockchain ecosystems and unlocking billions of dollars in cross-chain liquidity.
How wrapped crypto works
The wrapping process involves three key elements: custodians, merchants, and smart contracts.
Here's how it typically works:
- Deposit: You send your original cryptocurrency (like Bitcoin) to a custodian—an entity or smart contract that holds your assets safely.
- Minting: Once the custodian confirms receipt of your deposit, they mint an equivalent amount of wrapped tokens (like WBTC) on the target blockchain.
- Release: These newly created wrapped tokens are then sent to your wallet on the new blockchain, ready to use.
When you want your original tokens back, you simply reverse the process—a procedure called "unwrapping" or "burning":
- Return: You send your wrapped tokens back to the custodian.
- Burn: The wrapped tokens are destroyed (burned).
- Release: The equivalent amount of the original cryptocurrency is returned to your wallet.
This process ensures a 1:1 backing between wrapped tokens and their underlying assets, similar to how stablecoins maintain their value through reserves. For every wrapped Bitcoin (WBTC) in circulation, there's one real Bitcoin held in reserve by a custodian.
Benefits of wrapped crypto
Cross-chain compatibility
The most obvious benefit is interoperability. Wrapped tokens allow assets from one blockchain to participate in activities on completely different networks. Bitcoin holders can participate in Ethereum-based DeFi without selling their Bitcoin, while Ethereum users can access the value and liquidity of Bitcoin without leaving their preferred ecosystem.
Expanded DeFi possibilities
Before wrapped tokens, assets like Bitcoin were essentially locked out of the booming DeFi space. Now, billions of dollars worth of previously idle assets can earn yields, serve as collateral for loans, or provide liquidity to trading pools.
Enhanced functionality
When assets like Bitcoin get wrapped as ERC-20 tokens on Ethereum, they gain new capabilities:
- Smart contract interaction: Bitcoin doesn't natively support complex smart contracts, but wrapped Bitcoin on Ethereum can interact with any Ethereum smart contract.
- Faster settlements: Bitcoin transactions typically take about 10 minutes to confirm, while Ethereum transactions complete in seconds or minutes, making wrapped Bitcoin potentially more practical for everyday transactions.
Liquidity boosts
By making assets usable across multiple blockchains, wrapped tokens significantly increase market liquidity. The same value can now participate in various ecosystems without being split across different platforms.
Common types of wrapped tokens
Wrapped Bitcoin (WBTC)
The most popular wrapped token by market cap, WBTC brings Bitcoin's massive value onto the Ethereum blockchain. Each WBTC is backed by one Bitcoin held in reserve. This has allowed billions of dollars worth of Bitcoin to participate in Ethereum's DeFi ecosystem.
Wrapped Ether (WETH)
Interestingly, even Ethereum's native currency (Ether) has a wrapped version. Why? The original Ethereum token (ETH) predates the ERC-20 standard that most Ethereum tokens follow. WETH makes ETH compatible with dapps that require the standard ERC-20 format.
Other Notable Wrapped Assets
As cross-chain functionality becomes increasingly important, we're seeing more wrapped versions of various assets:
- Wrapped AVAX (WAVAX) on Ethereum
- Wrapped UST (Terra stablecoin) on various chains
- Wrapped tokens of various layer-1 cryptocurrencies
How to use wrapped tokens in DeFi
Lending and borrowing
Platforms like Aave, Compound, and MakerDAO allow users to deposit wrapped assets as collateral to borrow other cryptocurrencies. This means you can leverage your Bitcoin holdings to access stablecoins or other tokens without selling your BTC.
Liquidity provision
Decentralised exchanges like Uniswap and SushiSwap rely on liquidity providers to enable trading. By providing wrapped tokens to these liquidity pools, users can earn trading fees and additional rewards.
For example, the WBTC/ETH pool on Uniswap has consistently been one of the largest liquidity pools, enabling billions in trading volume between Bitcoin and Ethereum.
Yield farming
Many DeFi protocols offer incentives for users who provide liquidity or lend assets. Wrapped tokens allow users to participate in these "yield farming" opportunities across multiple blockchains, potentially maximising returns.
Risks involved
Custodial risks
Most wrapped tokens rely on custodians to hold the original assets, introducing an element of centralisation and trust. If the custodian is compromised or acts maliciously, your wrapped tokens could become worthless.
For instance, WBTC relies on BitGo as its primary custodian. While BitGo maintains high security standards, this represents a potential single point of failure in an otherwise decentralised system.
Smart contract vulnerabilities
Wrapped tokens, like all blockchain assets involving smart contracts, face potential security risks. Bugs or exploits in the smart contracts governing wrapped tokens could lead to fund losses.
Minting and redemption friction
The process of wrapping and unwrapping tokens often involves fees, waiting periods, and minimum amounts. These friction points can make wrapped tokens less practical for smaller transactions or quick trades.
Bridge attacks
Cross-chain bridges, which facilitate the creation of many wrapped tokens, have been frequent targets for hackers. Several high-profile attacks have resulted in millions of dollars in losses.
The future of wrapped tokens
Decentralised wrapping mechanisms
The industry is moving toward more decentralised wrapping processes that reduce reliance on centralised custodians. Projects like tBTC and renBTC are exploring new models where custody is distributed among multiple parties or managed entirely by smart contracts.
Multi-chain integration
As blockchain ecosystems evolve toward greater interoperability, wrapped tokens are likely to play a crucial role in creating seamless experiences across multiple chains. Users may eventually interact with different blockchains without even realising they're using wrapped assets behind the scenes.
Standardisation and regulation
As wrapped tokens become more integrated into mainstream finance, we can expect more standardised practices and potentially increased regulatory attention, particularly around reserve verification and consumer protection.
Bridging the blockchain islands
Wrapped tokens have essentially built bridges between previously isolated blockchain islands, creating a connected DeFi landscape where assets flow freely across networks. They give users remarkable flexibility – allowing them to use Solana's speed while accessing Ethereum's rich application environment.
While these tokens solve major interoperability challenges, it's worth remembering their trade-offs. The centralized custody model goes against blockchain's decentralization principles, and security risks exist.
Though we'll eventually see more sophisticated cross-chain solutions emerge, wrapped tokens currently serve as the vital connectors powering our increasingly interconnected crypto economy.
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