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Tap & Go Crypto™ Investor Relations
Explore how the world's first multi-chain financial Super App is revolutionizing global payments, real-world assets, and financial inclusion across emerging markets. We're building the infrastructure that connects billions to borderless finance.
Millions Still Pay Too Much to Move Their Own Money
The Harsh Reality
1.4 billion adults remain unbanked worldwide — nearly half live in Africa, locked out of the modern financial system.
Average remittance cost: 6.2% per transaction
Transfer times: 24 hours to 5 days
Traditional rails like SWIFT and Western Union are slow, expensive, and outdated — charging billions in fees while families wait days for critical funds.
Our Solution
Tap & Go unifies fragmented payment systems through instant crypto-to-fiat liquidity — connecting mobile-money networks, blockchain rails, and traditional banking into one seamless, borderless network.
We're not just another fintech app. We're rebuilding the financial infrastructure for 3 billion underserved people.
The Super App for Money Without Borders
Tap & Go integrates multi-chain blockchain infrastructure with existing mobile-money networks, enabling users to send, spend, and receive value instantly — all within one secure, verified wallet. We've eliminated the friction that keeps billions locked out of global commerce.
Instant Wallet Transfers
Seamlessly convert between crypto and fiat in seconds. Support for XRP, XLM, XDC, and 15+ currencies across Africa and the Caribbean.
Tap & Go Card
Virtual and physical cards that convert crypto to fiat in real-time at point of sale. Spend your digital assets anywhere Visa is accepted.
Merchant POS & API
Instant settlement with up to 50% lower fees than traditional processors. White-label solutions for banks and fintechs.
AI Routing Engine
Automatically selects the fastest, cheapest blockchain route based on real-time network conditions and regional liquidity pools.
$1 Trillion+ in Untapped Transactions
We're targeting the fastest-growing payment corridors in the world — emerging markets where mobile-money adoption is exploding but infrastructure remains fragmented and expensive.
40M
Phase 1 TAM
Ghana and Liberia represent our initial beachhead markets with proven mobile-money adoption and regulatory clarity.
300M+
Phase 2 TAM
Expansion across West Africa, East Africa, and Caribbean corridors unlocks massive scale within 36 months.
$54B
Annual Remittances
Sub-Saharan Africa remittance inflows in 2024, with $3.2B lost to excessive fees annually.
62%
Mobile Money Usage
Ghana leads with 35M people actively using mobile money — the perfect launch market for crypto-fiat integration.
Tap & Go cuts remittance costs to 1.5%, keeping billions of dollars in the hands of families who need it most. This isn't just good business — it's economic justice at scale.
Multiple Revenue Streams. One Unified Ecosystem.
We've designed a diversified business model that captures value at every touchpoint while remaining dramatically more affordable than legacy alternatives. Our blended fee structure ensures profitability while maintaining competitive pricing that drives adoption.
Revenue Channels
  • Wallet Transfers — 1.2% fee (50% of volume)
  • Card Transactions — 1.5% fee (30% of volume)
  • Merchant POS/API — 2.0% fee (20% of volume)
  • Exchange Spread — 0.25-0.5% on conversions
  • Future Revenue — staking yields, loyalty programs, white-label licensing
Average blended fee: 1.45%
Projected Year 1 revenue: $725K
Rapid Growth. Break-Even by Year 3.
Our financial model is built on conservative user acquisition assumptions and proven conversion rates from comparable markets. We achieve profitability within 36 months while maintaining a capital-efficient growth trajectory that delivers exceptional returns to early investors.
Transaction Volume Growth
Year 1: $50M → Year 5: $1.2B
Powered by viral network effects and strategic market expansion across high-volume corridors.
Cumulative Profit
Years 1-5: ≈$17M
Demonstrating sustainable unit economics and operational leverage at scale.
ROI to Investors
240% equity return
Before token appreciation and secondary liquidity events create additional upside.
Equity + Token = Dual Return Vehicle
Tap & Go's innovative hybrid structure gives early investors exposure to both equity appreciation and token value growth — creating multiple paths to outsized returns. Our TNG token isn't just speculative; it's deeply integrated into the platform's utility and growth mechanics.
Token Economics
TNG Token — 1 billion total supply
Launch Price: $0.01
Token Utility & Returns
  • 20% fee discount for TNG holders
  • 30% of fee revenue distributed to stakers
  • Merchant rebates and loyalty rewards
  • Governance rights on protocol upgrades
Year 1 Staking Pool: ≈$217K | Yield: ≈7%
Year 3 Projected Market Cap: ≈$8.7M @ $0.05
30x
Combined ROI Potential
Equity + Token appreciation by Year 5 for seed investors
5x
Token Multiple
Conservative estimate based on comparable DeFi payment tokens
24x
Equity Multiple
Based on Series B valuation targets and exit scenarios
Built to Outperform the Market
Tap & Go Crypto™ stands apart from traditional fintechs and existing payment apps by combining blockchain speed with enterprise-grade compliance and multi-chain flexibility. While competitors focus on single corridors or single use-cases, we've built the complete infrastructure stack.
Tap & Go uniquely combines crypto-to-fiat interoperability, real-world asset integration, and low-cost remittance corridors in a single Super App — enabling global scalability that current fintech models can't match. We're not competing with existing players; we're building the infrastructure they'll eventually need to license.
Structured for Global Trust
Institutional investors demand regulatory clarity and operational compliance. We've built our corporate structure and licensing framework to meet the highest standards of financial governance while maintaining the flexibility to scale rapidly across jurisdictions.
1
Delaware Holding Company
US-based parent entity with regional subsidiaries in Ghana, Liberia, and planned expansion markets ensuring optimal tax efficiency and legal protection.
2
PSP Licensing
Payment Service Provider licenses secured in Ghana and Liberia, with applications pending in Nigeria and Kenya for 2025 launch.
3
KYC/AML Infrastructure
Enterprise partnerships with SumSub and Trulioo provide best-in-class identity verification across 220+ countries and territories.
4
Card Compliance
PCI DSS Level 1 certification for card processing ensures institutional-grade security for all payment card transactions.
5
Token Classification
TNG structured as utility token (non-security) with legal opinions from leading blockchain law firms in key jurisdictions.
6
Multi-Sig Governance
3-of-5 multi-signature system for treasury and protocol decisions ensures no single point of failure or unauthorized access.
The Early Stakeholders of Africa's Digital Visa
We're not building a feature — we're building infrastructure that will process trillions in cross-border transactions over the next decade. Early investors gain exposure to multiple liquidity events and return pathways as we scale from startup to category-defining platform.
01
Series A (18 months)
Valuation: ≈$25M | Milestone: 500K active wallets, $150M transaction volume, expansion into 3 new markets
02
Series B (36 months)
Valuation: ≈$75M | Milestone: 2M active wallets, break-even profitability, merchant network of 10K+ locations
03
Token Listing (2027)
CEX + DEX liquidity events create immediate secondary market for TNG holders with projected market cap of $50M+
04
Strategic Acquisition
Potential acquirers: Flutterwave, MTN Mobile Money, Wise, Visa, or regional banking consortiums seeking instant crypto capability
Illustrative Returns
Seed Investment: $5M at $10M pre-money valuation
Series B Exit: Equity value ≈ $120M (24× multiple)
Token Appreciation: ≈ 5× minimum
Combined ROI Potential: ≈30× by Year 5
The Visionaries Behind Tap & Go
World-class execution requires world-class leadership. Our team combines deep fintech expertise, regulatory knowledge, blockchain engineering, and emerging market experience — the exact skillset needed to navigate this complex, high-growth opportunity.
Duronal "Melik" Monal
Founder & CEO
Serial entrepreneur and author of Financial Freedom, Melik has built and exited multiple 8-figure companies across fintech, e-commerce, and digital infrastructure. His vision for democratized finance drives Tap & Go's mission to serve the underbanked.
Advisory Board
  • Fintech Compliance Expert — Former regulatory counsel at major payment processor, 15+ years navigating PSP licensing
  • Card Issuing Specialist — Led card programs at Visa and Mastercard with $2B+ annual volume
  • Blockchain Engineer — Core contributor to XRP and Stellar protocols with deep liquidity network expertise
  • African PSP Advisor — Founded and scaled leading mobile-money platform in West Africa to 5M users
  • Growth Strategist — Former VP Growth at unicorn fintech, specialized in emerging market user acquisition
Be Part of the Financial Revolution
Tap & Go Crypto™ isn't just a fintech company — it's a global economic infrastructure project redefining freedom of movement for money. We're giving billions of people their first taste of truly borderless, instant, affordable finance.
The question isn't whether blockchain will transform cross-border payments. The question is who will control that transformation. We're building the rails. Join us.
Contact Information
Confidential — For Accredited Investors Only