Managing Money Globally in Different Ways
Digitap and Wise simplify global finance, but they serve very different audiences. Wise has spent over a decade perfecting fiat-to-fiat international transfers, offering low fees and real exchange rates. Digitap represents the next evolution — a crypto banking application where users manage both digital and traditional currencies in one place.
If you rely purely on fiat, Wise offers unmatched transparency for global transfers. If you also hold crypto or want a single app to handle both, Digitap offers the flexibility of buying, swapping, and spending crypto or fiat anywhere.
Digitap vs Wise: At a Glance
| Feature | Digitap | Wise |
|---|---|---|
| Founded | 2025 | 2011 |
| Primary Function | Crypto bank for fiat and digital assets | International money transfer service |
| Cryptocurrency Support | ✅Supports 100+ cryptos (BTC, ETH & more) | ❌Not supported |
| Fiat Currencies | ✅Multi-currency accounts (EUR, USD and more) | ✅40+ currencies supported |
| Physical / Virtual Card | ✅Digitap Visa Card works with crypto and fiat | ✅Wise debit card for fiat balances |
| Native Token | ✅$TAP | ❌None |
| Countries Supported | 100+ | 80+ |
| Customer Support | 24/7/365 live support | Business-hours email and chat |
| Key Benefit | Unified crypto-fiat banking with rewards | Transparent low-cost fiat transfers |
| Target User | Users managing both crypto and fiat assets | Users sending fiat internationally only |
Wise leads in fiat transfers and transparency, while Digitap expands that capability into crypto banking for personal and business users, offering crypto wallets for business, swap crypto tools, crypto rewards, and fiat to crypto no KYC options for faster onboarding.
What is Digitap?
Digitap is an all-in-one crypto bank that connects traditional finance with the world of digital assets. It gives users one platform to buy, hold, swap, and spend both fiat and cryptocurrencies seamlessly.
As a next-generation omni-bank, Digitap supports over 100 cryptocurrencies and multiple fiat currencies, such as USD and EUR. Users can move between assets instantly, send global payments, and access their funds through the Digitap crypto debit card, which works anywhere Visa is accepted.
The platform combines the flexibility of modern fintech with the functionality of regulated banking. Powered by the $TAP token, users earn cashback, enjoy lower fees, and can stake tokens for passive rewards. Digitap is available in 100+ countries, supports 24/7/365 live service, and has processed more than 5 million transactions across 100K wallets.
Digitap is the future of money management — a single, secure app that combines crypto and fiat into a single global financial platform.
What is Wise?
Wise (formerly TransferWise) is a global money transfer and multi-currency platform built for simple, low-cost international payments. It allows users to send, hold, and spend fiat currencies easily and transparently.
Founded in 2011, Wise supports transfers to 80+ countries and balances in 40+ fiat currencies, using the mid-market exchange rate with no hidden markups. Its multi-currency account lets users manage different currencies in one place and spend globally with the Wise debit card, known for fair fees and real exchange rates.
Wise is widely used by freelancers, digital nomads, and international businesses for its reliability and cost efficiency. The platform has millions of users worldwide and a strong reputation for transparent pricing and speed.
However, Wise is a fiat-only service. It doesn’t support cryptocurrencies or digital assets. For users seeking to manage both fiat and crypto in one place, Digitap’s crypto banking platform provides that next level of flexibility and financial control.
Global Transfers
Send money to 80+ countries with low fees
Multi-Currency
Hold and manage 40+ fiat currencies
Debit Card
Spend globally with fair exchange rates
However, Wise is a fiat-only service. It doesn't support cryptocurrencies or digital assets.
For users seeking to manage both fiat and crypto in one place, Digitap's crypto banking platform provides that next level of flexibility and financial control.
Why Users Choose Digitap Over Wise
While Wise is excellent for fiat transfers, Digitap gives you full control of both fiat and crypto. It's an all-in-one banking experience where your crypto is as easy to use as your cash.
True All-in-One Banking
Wise focuses only on fiat transfers. Digitap lets you hold EUR, USD, BTC, ETH, and more in one app. Conduct crypto to fiat offramp instantly, receive income, or pay bills. No need for multiple platforms.
Spend Crypto in the Real World
Wise’s debit card works only with fiat. Digitap’s Visa Card connects to your crypto balances, letting you buy groceries, pay bills, or withdraw cash. Your crypto converts instantly at checkout with the best crypto exchange rates.
Earn Rewards with the $TAP Ecosystem
Wise offers transparent pricing but no rewards. Digitap users earn cashback, enjoy lower fees, and can stake $TAP tokens for ongoing income and fee reductions. The more you use Digitap, the more you gain from the ecosystem.
Digitap vs Wise: Feature Breakdown
Wise is best for fiat transfers with transparent pricing. Digitap goes further, adding crypto support, rewards, and banking features for a complete money-management experience.
| Feature | Digitap | Wise |
|---|---|---|
| Cryptocurrency Support | ✅Supports 100+ cryptos (BTC, ETH & more) | ❌Not supported |
| Fiat Currency Support | ✅Multi-currency accounts (EUR, USD & more) | ✅40+ currencies |
| Crypto Wallet | ✅Built-in multi-chain wallet | ❌No wallet functionality |
| International Transfers | ✅Fiat and crypto transfers supported | ✅Fiat transfers only |
| Physical Debit Card | ✅Visa Card supports crypto + fiat balances | ✅Card for fiat balances |
| Cashback Rewards | ✅Available through $TAP ecosystem | ❌Not available |
| Staking Rewards | ✅Earn yield by staking $TAP tokens | ❌Not available |
| Fee Reduction Program | ✅Lower fees with $TAP token usage | ✅Transparent flat fees (no reductions) |
| Mobile App | ✅Available on iOS & Android | ✅Available on iOS & Android |
| 24/7 Support | ✅Live support 365 days a year | ⚠️Limited hours chat and email support |
Transparency vs Rewards
Wise Fees
Wise is known for transparent, low-cost international transfers. It uses the mid-market exchange rate with no hidden markups. Fees range roughly between 0.5 % and 2 %, depending on the currency pair and amount.
Larger transfers cost slightly less, and same-currency Wise-to-Wise transfers are free. It's ideal for users who value predictability and clarity.
Digitap Fees
Digitap offers competitive swap and transfer fees for both crypto and fiat. The $TAP token allows users to reduce costs across all transactions.
Staking $TAP generates passive rewards that can offset transaction fees, and cashback further reduces overall costs. Digitap removes the need for multiple off-ramp fees, making it more cost-efficient for users who use crypto daily.
Which Platform Should You Choose?
Choose Digitap if you …
Manage both fiat and crypto and want them in one secure app.
Want to spend, buy, or sell crypto easily in daily life with a debit card.
Prefer earning cashback and staking rewards on your activity.
Want a single app for banking, transfers, and crypto management.
Accept or send crypto payments for business and want automatic conversion to fiat.
Like switching between traditional and digital currencies anytime.
Plan to join the $TAP presale for early user benefits.
Choose Wise if you …
Only use fiat currencies for payments and transfers.
Focus mainly on sending and receiving fiat internationally.
Value low, fixed fees and predictable transfer costs.
Need a simple, proven solution for fiat-to-fiat transfers.
Run a business that accepts or pays only in fiat currencies.
Have no plans to use or hold cryptocurrencies.
Prefer a focused platform for international fiat transfers
Quick Takeaway
If your finances include both crypto and fiat, Digitap is your all-in-one crypto fiat bank. If your needs are purely fiat and focused on global money transfers, Wise remains a trusted leader.
Frequently Asked Questions
Looking for One App to Manage All Your Money?
Join millions of users who manage both crypto and fiat effortlessly with Digitap. With 5M+ transactions processed and users in 100+ countries, Digitap delivers a secure, all-in-one platform for the digital economy.
Buy, swap, and send assets globally. Spend with your Digitap Visa Card, earn rewards with $TAP, and experience true crypto-fiat banking designed for modern finance.
