Tap Global Group's Strategic Position in Open Banking and Fintech Growth: Assessing Long-Term Value Creation Through Partnerships and Regulatory Compliance

In the ever-evolving fintech landscape, companies that master the dual art of innovation and compliance often emerge as long-term winners. Tap Global Group, a leader in bridging traditional finance and digital assets, is a prime example of this paradigm. By leveraging strategic partnerships and navigating a complex regulatory environment, Tap is positioning itself to capitalize on the $7.2 trillion open finance market projected by 2030 [1]. Let’s break down how its approach to partnerships and compliance is fueling long-term value creation.

Strategic Partnerships: The Engine of Global Expansion

Tap’s partnerships are not just transactional—they’re transformative. In 2024, the company partnered with OpenPayd, an API-driven payments platform, to integrate UK Faster Payments and SEPA Transfers into its ecosystem [4]. This move slashed transaction times and costs, directly enhancing user experience. Meanwhile, its collaboration with Zero Hash has been pivotal for U.S. expansion, providing the regulatory infrastructure needed to operate in a market where 48% of global crypto growth is expected from 2022 to 2027 [2]. Zero Hash’s custody and liquidity solutions have allowed Tap to launch services like P2P transfers and crypto rewards with minimal friction [5].

These alliances are not isolated efforts. They align with broader industry trends. For instance, the UK’s Data (Use and Access) Bill and India’s Account Aggregator framework are creating fertile ground for open finance [1]. By partnering with firms like OpenPayd and Zero Hash, Tap is not only complying with these frameworks but also leveraging them to scale. As noted in a 2025 BAI report, companies that embed financial services into non-traditional ecosystems—like e-commerce or healthcare—are redefining consumer engagement [1]. Tap’s partnerships position it at the intersection of these trends.

Regulatory Compliance: A Shield and a Sword

Regulatory compliance is often seen as a cost center, but for Tap, it’s a competitive advantage. The company secured VASP registration in Bulgaria ahead of the EU’s MiCA regulations and maintains a Distributed Ledger Technology license in Gibraltar [1]. These moves are critical in a sector where 70% of investors prioritize companies that adapt to technological and regulatory shifts [2].

The U.S. market, with its stringent compliance requirements, is a case study in Tap’s foresight. By partnering with Zero Hash, Tap avoided the pitfalls that have tripped up many crypto-native firms. Zero Hash’s infrastructure ensures adherence to FATF’s Travel Rule and provides real-time risk monitoring—a necessity in a market where over $1 billion in high-risk transactions were flagged in 2024 alone [4]. This isn’t just about avoiding penalties; it’s about building trust. As PwC’s Asset and Wealth Management Revolution 2024 highlights, 80% of asset managers attribute revenue growth to disruptive technologies and compliance innovations [3]. Tap’s proactive stance ensures it’s not just surviving but thriving in this environment.

Financials: Growth Amidst Strategic Investment

Tap’s half-year 2024 report tells a story of aggressive growth. Trading volume surged 178% to £71.9 million, with revenue up 172% to £1.3 million [1]. While the company posted a £1.0 million loss after tax, this was largely due to increased sales and marketing spend—a clear signal of long-term investment. For context, the global private markets saw a 10% increase in capital deployment in 2024 despite a slowdown in fundraising [1]. Investors who recognize that losses today can seed tomorrow’s dominance may find Tap’s balance sheet compelling.

Expert Validation: A Consensus on Compliance-Driven Growth

Independent analyses reinforce Tap’s strategic calculus. A 2025 McKinsey report notes that private equity firms and fintechs with robust compliance frameworks are outpacing peers in capital deployment [1]. Similarly, Notabene’s 2024 review highlights how compliance platforms processed $500 billion in transactions while preventing $1 billion in risks—a model Tap is emulating through its partnerships [4]. These third-party validations underscore that Tap’s approach isn’t just prudent; it’s industry-leading.

Conclusion: A Buy for the Long Haul

Tap Global Group’s strategic partnerships and regulatory agility are not just defensive measures—they’re offensive tools to dominate the open finance era. As AI, APIs, and crypto converge, companies that can navigate compliance while scaling globally will outperform. Tap’s AIM listing, U.S. expansion, and alignment with MiCA and PSD3 regulations position it as a leader in this transition. For investors, the message is clear: Tap isn’t just riding the fintech wave—it’s helping to shape it.

Source:
[1] Global Private Markets Report 2025 [https://www.mckinsey.com/industries/private-capital/our-insights/global-private-markets-report]
[2] PwC's Global Investor Survey 2024 [https://www.pwc.com/gx/en/issues/c-suite-insights/global-investor-survey.html]
[3] Asset and Wealth Management Revolution 2024 [https://www.pwc.com/gx/en/issues/transformation/asset-and-wealth-management-revolution.html]
[4] Notabene's 2024 Year in Review [https://notabene.id/post/2024-year-in-review]
[5] Tap partners with Zero Hash to launch in the US [https://thepaypers.com/crypto-web3-and-cbdc/news/tap-partners-with-zero-hash-to-launch-in-the-us]