NETWORKLIVELATENCY218msTX/SEC1,247REGIONS42MERCHANTS18,402VOUCHERS·24H€4.81MPAYOUT·SLAT+1
NETWORKLIVELATENCY218msTX/SEC1,247REGIONS42MERCHANTS18,402VOUCHERS·24H€4.81MPAYOUT·SLAT+1
SERIES A · GLOBAL ROLLOUT 2026
The payment rail
between cash
and cards.
TAPLY is a global NFC voucher network. Users top up in-app, merchants tap to accept, payouts settle to bank in 24 hours. No card fees. No chargebacks. One tap.
€312M
Vouchers issued
42
Countries
0.9%
Merchant fee
T+1
Settlement
NFC ANTENNA · ISO 14443
HANDSHAKE 218ms ✓
VOUCHER · TKN-8F2A · €20.00
SIGNED · ED25519
9:41LIVE
Balance
€247.50
TAP
Hold near terminal
LATEST · CAFÉ NOLA−€4.20
13:42 · LISBOA1,247 TX/S
—— 01
Mechanic
Three taps. One settlement.
STEP · 01
Top up
User buys vouchers in the TAPLY app. Cards, bank, Apple/Google Pay. Funds land in segregated trust.
STEP · 02
Tap to pay
At any TAPLY-enabled merchant, the user taps. Voucher value transfers off-rail. No PSP. No card networks.
STEP · 03
Bank payout
Merchant requests payout. Vouchers convert 1:1 to fiat. SEPA / SWIFT / ACH wire to their named bank, T+1.
Flow · End-to-end
USER
Top up
EUR →
TAPLY TRUST
Segregated
VOUCHER →
MERCHANT
NFC tap
MERCHANT BANK
SEPA / SWIFT / ACH
—— 02
Two sides, one ledger
For people who pay.
For people who get paid.
Top up once. Tap forever.
Pre-load any amount. Spend across 18,402 merchants in 42 countries with a single tap. No conversion fees inside the network.
Learn more
Money you control.
Your balance is always 1:1 redeemable. Withdraw to your bank any time. We never invest, lend, or rehypothecate user funds.
Learn more
Privacy by default.
Vouchers are tokenised. Merchants see a transaction — not your card, not your name, not your bank.
Learn more
Works offline.
NFC handshake completes without a cell signal. Your phone and the merchant terminal don't need the internet at the moment of payment.
Learn more
—— 03
Trust
Funds never touch our books.
01
Segregated trust
User balances held 1:1 in regulated EMI trust accounts. Never lent. Never invested.
02
ISO 27001 + PCI L1
Audited annually by a Big-Four firm. Reports available on request.
03
Tokenised vouchers
Each voucher is a signed, single-use token. Tampered tokens are dead on arrival.
04
Right of payout
Merchant payouts are a contractual right, not a service. Bankruptcy-remote.
EMI · LITHUANIAFCA · UKFINCEN · MSBSOC 2 · TYPE IIGDPR · ART. 32PSD2 · SCA
—— 04
Questions
What investors ask first.
Get the app
Tap. Pay. Done.
Available on iOS and Android in 42 countries. Merchant onboarding takes under 4 minutes — no hardware required.