App
One wallet
Fiat and crypto in a single regulated account. Buy, sell, hold and move money without a separate exchange or wallet.
A live fintech.
A working reserve.
Tap is the regulated app 400,000+ people use to trade, spend and earn. The Digital Asset Income Strategy puts Group BTC and ETH into Tap Earn — so the balance sheet generates income, and that income, plus app revenue, funds the next turn.
How DAIS worksCustomers
400k+
Trade, spend and earn in one app
Spend
37M+
Merchant locations on Mastercard
Earn AUM
US$5m+
Live programme · Group subordinated
Tap started in 2019 to put crypto and everyday money in one regulated place. Trade, spend, earn, and a Mastercard that works at 37 million merchants — without a stack of wallets.
We listed on AIM so the operating business could fund a balance sheet. What we want to achieve with that capital is the Digital Asset Income Strategy: raise, buy Bitcoin and Ethereum, put it to work in Tap Earn, and use the income — plus revenue from the app — to bring more users.
That is the difference versus a company that holds Bitcoin and waits. Our reserve is working capital for Earn. Our customers are the second engine. Together they cover the cost base. Surplus buys growth. The next raise starts from a bigger base.
We are licensed to provide distributed ledger technology services, and we were the first crypto fintech Mastercard approved in Europe. The product still runs in-house: our own routing for trades, our own Earn programme, our own card.
Arsen TorosianGroup CEO & Co-Founder
The fintech
Trade. Spend. Earn.
The regulated app under the balance sheet — revenue that does not wait for Bitcoin to move.
Card
Spend anywhere
A Mastercard that works at 37 million merchants. Card interchange and FX are operating revenue on top of the reserve.
Digital Asset Income Strategy
What we want to achieve
Five steps, on repeat — bigger every turn. Not a passive treasury. Working capital for Earn.
/ 01 Raise capital
Every pound raised has a job: grow the digital-asset reserve that sits on Group books.
/ 02 Buy BTC and ETH
We convert that capital into Bitcoin, Ethereum and more — held long, and disclosed.
/ 03 Put it in Earn
The reserve works in Tap Earn instead of sitting still. Yield is operating income, not a hope that price moves.
/ 04 Make money
Earn yield plus revenue from 400,000+ people who trade, spend and earn on the app. Two income streams, one cost base.
/ 05 Grow — then repeat
Once costs are covered, surplus buys customers. More users and a larger reserve mean the next raise starts from a bigger base.
This describes how the strategy is designed to work. It is not a forecast. Yields are variable and not guaranteed.
Two engines. One share.
A TAP share is the fintech, the digital-asset reserve, and the income that reserve earns.
The operating app
Trading fees, card interchange, FX and Earn spread. 400,000+ customers already using it. This is the business that makes money whether Bitcoin is up or down.
The reserve at work
BTC, ETH and more, held long on our books. DAIS deploys that reserve into Tap Earn under custody, concentration and disclosure controls — so the balance sheet pays for itself.
Surplus buys growth
Yield and app revenue land on the same P&L. Once the cost base is covered, what is left funds acquisition. Growth is paid for by the machine, not by dilution alone.
Listed and governed
AIM: TAP. A Board, public disclosure, and legal advice that DAIS is operating working capital — not a fund. Investors can diligence the loop against live evidence.
Built to run both engines
The same team ships the app, operates Earn, and produces the disclosures DAIS requires. That is the point of an operating company rather than a passive treasury vehicle.
We support customers in more than 25 countries with a team of 40+ — small enough to stay close to the product, listed enough to be accountable.
2019
Founded
40+
Employees
25+
Countries
Leadership
Meet the board
The Board that sets DAIS, and the executives who run the fintech.
Manuel De Luque
Non-Executive Chairman
Finance executive with 30+ years in investment management, private banking, and digital assets. Founder & CEO of Block Asset Management; launched the world’s first Blockchain & Digital Assets Fund of Funds in 2017.
Arsen Torosian
Group CEO
Co-founded Tap in 2019. Early crypto operator; founded a London OTC desk in 2014 with over £70m in trading volume. As Group CEO he runs the fintech and the Digital Asset Income Strategy.
John Taylor
Non-Executive Director
Works with small-cap listed companies on development. Chairman of Asimilar Group Plc, an AIM-quoted investing company focused on high-growth disruptive technology.
This is what we're building.
A regulated fintech that funds a compounding digital-asset reserve. Raise. Buy. Earn. Grow. Repeat.
Risk warning: digital-asset yields are variable and not guaranteed; capital is at risk; deployed capital may use collateralised lending and wrapped tokens, which can lose value; Tap Earn is not a bank deposit and is not covered by any deposit-guarantee scheme. Past performance is not a guide to future results. This website does not constitute investment advice or an invitation to deal in securities.