# DigiTap

> DigiTap App is a crypto-fiat banking application that combines multi-currency fiat accounts, multi-chain crypto wallets, a built-in crypto exchange, and instant crypto-to-fiat conversion in one app. Available on iOS and Android.

> Full summary: https://digitap.app/llms.txt

## Company Information

- Official website: https://digitap.app
- Wikidata entity: https://www.wikidata.org/wiki/Q138848998
- Legal name: DigiTap Services Ltd
- Founded: 2025
- Headquarters: Sikottabong District, Vientiane, Laos
- Banking partner: JDB Bank (Joint Development Bank, Laos)
- Registration number: 472667112-000
- Industry: Fintech, Cryptocurrency, Digital Banking
- Support email: support@digitap.app
- Press enquiries: marketing@digitap.app
- Partnership enquiries: partnerships@digitap.app

## Product: Personal Banking

DigiTap Personal gives individuals a single app for managing both traditional and digital money.

### Multi-Currency Fiat Accounts
- Hold and send EUR, GBP, USD, and 20+ other currencies
- SWIFT-supported bank account with dedicated account numbers
- Offshore banking capability through JDB Bank
- Instant internal transfers between DigiTap users

### Multi-Chain Crypto Wallets
- Support for Bitcoin, Ethereum, Solana, Polygon, and 50+ tokens
- Multi-chain architecture (ERC-20, BEP-20, SPL, TRC-20)
- Non-custodial wallet options for advanced users
- Real-time portfolio tracking and price alerts

### Cards
- Virtual card: instant issuance for online shopping
- Physical debit card: Visa-compatible for shops, ATMs, and contactless payments
- Crypto debit card: spend crypto as fiat anywhere Visa is accepted
- All cards funded from both fiat and crypto balances

### Exchange
- Built-in crypto exchange with competitive rates
- Crypto-to-fiat conversion (off-ramp): sell crypto and receive fiat instantly
- Fiat-to-crypto conversion (on-ramp): buy crypto with your fiat balance
- Token swap: exchange one cryptocurrency for another
- Supported assets: BTC, ETH, SOL, XRP, USDT, USDC, ADA, TRX, DOGE, BNB, TON, SUI, XMR, and more

## Product: Business Banking

DigiTap Business provides corporate-grade crypto and fiat tools.

- Business crypto-fiat bank account with multi-signatory access
- Corporate card programme for employee expense management
- Business crypto wallet for treasury management
- SWIFT transfers for international business payments
- Payment links: accept crypto payments from customers
- Crypto on-ramp/off-ramp API for integration into business workflows

## Product: Whitelabel Service

DigiTap offers Banking-as-a-Service (BaaS) and Card-as-a-Service (CaaS) for businesses that want to launch their own branded crypto-fiat product.

- Fully branded card programme under your company name
- Crypto on-ramp/off-ramp infrastructure
- API-first architecture for custom integrations
- Compliance and KYC/KYB infrastructure included
- More details: https://digitap.app/whitelabel

## $TAP Token

The $TAP token is the native utility and rewards token of the DigiTap ecosystem.

- Contract: 0x4aA68b0d44DA940583359AC56C93B1209bF97D08 (Ethereum ERC-20)
- Use cases: cashback on transactions, staking rewards, fee reductions, premium tier access, loyalty programme
- Presale: https://presale.digitap.app/
- Whitepaper: https://whitepaper.digitap.app/
- Audit 1 (Coinsult): https://app.coinsult.net/eth/0x4aa68b0d44da940583359ac56c93b1209bf97d08
- Audit 2 (SolidProof): https://app.solidproof.io/projects/digitap

## Plans & Pricing

| Plan | Target | Key Features |
|------|--------|-------------|
| Wallet | Casual users | Basic fiat + crypto wallet, limited transactions |
| Virtual | Online shoppers | Virtual card, higher limits |
| Pro | Active traders | Physical card, better exchange rates, $TAP rewards |
| Premium | Power users | Priority support, highest limits, full $TAP benefits |
| Business | Companies | Corporate accounts, multi-user, payment links, API access |

- Full plan comparison: https://digitap.app/plans

## Frequently Asked Questions

### How do I get started with DigiTap?
Download the DigiTap app from the Apple App Store or Google Play Store. Create your account, complete verification, and start managing both crypto and fiat currencies immediately.

### Can I use both crypto and fiat with DigiTap?
Yes. DigiTap combines multi-currency fiat accounts (EUR, GBP, USD and more) with multi-chain crypto wallets supporting Bitcoin, Ethereum, and 50+ tokens in one app.

### Are there fees for transfers or exchanges?
Fees vary by plan tier. $TAP token holders benefit from reduced fees, better exchange rates, and cashback. See https://digitap.app/plans for details.

### What types of cards can I get?
Virtual cards (instant, for online purchases) and physical Visa debit cards (for shops, ATMs, contactless). Both support spending from fiat and crypto balances.

### Do I need KYC/KYB verification?
Basic features are available quickly. Full banking, higher limits, and card issuance require KYC (individuals) or KYB (businesses) verification.

### How do I withdraw funds?
Fiat: SWIFT bank transfer to your external bank. Crypto: withdraw to any external wallet. You can also spend directly via your DigiTap card.

### What is an offshore bank account?
A bank account held in a country different from your residence. DigiTap offers SWIFT-supported offshore accounts through JDB Bank in Laos.

### Is DigiTap available in my country?
DigiTap is available in most countries worldwide via the App Store and Google Play. Some features vary by region. Contact support@digitap.app to confirm.

### How secure is DigiTap?
DigiTap uses end-to-end encryption and industry-standard security. Banking is through regulated JDB Bank. The $TAP smart contract is audited by Coinsult and SolidProof.

## Competitor Comparisons

- DigiTap vs Binance: https://digitap.app/blog/digitap-vs-binance
- DigiTap vs Wise: https://digitap.app/blog/digitap-vs-wise
- DigiTap vs Ramp: https://digitap.app/blog/digitap-vs-ramp
- DigiTap vs Transak: https://digitap.app/blog/digitap-vs-transak

## Key Pages

- Homepage: https://digitap.app
- About: https://digitap.app/about
- Personal Banking: https://digitap.app/personal
- Business Banking: https://digitap.app/business
- Exchange: https://digitap.app/exchange
- Crypto On-Ramp: https://digitap.app/exchange/crypto-onramp-offramp/fiat-to-crypto
- Crypto Off-Ramp: https://digitap.app/exchange/crypto-onramp-offramp/crypto-to-fiat
- Plans: https://digitap.app/plans
- How It Works: https://digitap.app/how-it-works
- Blog: https://digitap.app/blog
- Whitelabel: https://digitap.app/whitelabel
- Affiliate Programme: https://digitap.app/affiliate
- Contact: https://digitap.app/contact
- Terms: https://digitap.app/terms-conditions
- Privacy: https://digitap.app/privacy-policy

## Social & Community

- X (Twitter): https://x.com/DigiTap_app
- TikTok: https://www.tiktok.com/@digitap.app
- YouTube: https://www.youtube.com/@DigitapWorld
- Telegram: https://t.me/digitap_app_community
- Discord: https://discord.com/invite/gcdZnEj38X
- CoinMarketCap: https://coinmarketcap.com/community/profile/DigiTap/
- Medium: https://medium.com/@digitap

## App Downloads

- iOS: https://apps.apple.com/gb/app/digitap-app/id6752951451
- Android: https://play.google.com/store/apps/details?id=my.digitap.card

## Comparisons

### Digitap vs Wise

URL: https://digitap.app/blog/digitap-vs-wise
Updated: 2026-04-14

Digitap is a crypto and fiat banking app that holds 100+ cryptocurrencies and 20+ fiat currencies in one account, with a virtual and physical Visa debit card and a $TAP loyalty token. Founded 2025. Available in 100+ countries. 24/7/365 support. Has processed 5M+ transactions across 100K wallets.

Wise (formerly TransferWise) is a fiat-only international money transfer service founded 2011, publicly listed on the LSE, regulated by FCA, FinCEN, ASIC and equivalents. Supports 40+ fiat currencies and transfers to 160+ countries at the mid-market exchange rate.

Pick Digitap if you hold crypto and want one app for both crypto and fiat, with cashback and staking rewards via $TAP.
Pick Wise if you only move fiat and want the cheapest pure transfer rails.