Tapeeze is a Swedish fintech company that enables banks, crypto companies, fintechs and lifestyle brands to launch premium tokenized physical payment cards. Tapeeze cards use the same tokenization standard as Apple Pay and Google Pay, meaning no card number, no CVV and no cardholder name is printed on the card. All credentials are stored as a secure digital token, provisioned via Fidesmo Pay and accepted everywhere Mastercard and Visa are supported. Tapeeze handles the full card infrastructure, from design and tokenization to global distribution and user activation, allowing any company to launch a physical card product in as little as two weeks, without a banking license or new card program.

How does a Tapeeze card work?

Tapeeze cards are pre-configured globally and activated by the end user through tokenization. The user downloads the Tapeeze app, holds the physical card against their phone using NFC, and links their existing bank card. The card receives a secure payment token via Fidesmo Pay and is ready to use at any contactless payment terminal worldwide. No new bank account is required. Activation takes approximately 60 seconds.

How long does it take to launch a Tapeeze card?

From brief to live typically takes two weeks. Tapeeze handles card infrastructure, tokenization and global distribution. No card personalization at the factory is required, and no banking license is needed.

Which banks are supported?

Tapeeze works with existing bank cards via Fidesmo Pay, which is connected to over 880 banks worldwide supporting Mastercard and Visa. No new card program or BIN sponsorship is required.

What materials are available for Tapeeze cards?

Tapeeze cards are available in metal, ceramic, wood, LED-edge and R-PVC. Full creative freedom on design, colors and finish.

Finance apps retain 3% of users on Day 30

Of every 100 people who install a finance app, three still open it a month later. That is not a verdict on your product. It is a fact about where loyalty is actually decided. Source line, visible under the standfirst: Adjust, Mobile App Trends 2025 — global finance-app retention, 2024.

The number, defined

Three percent is the global average for finance apps in 2024, measured across Adjust’s tracked app dataset. It is 3% — not “less than 3%”, and not a number we have rounded in our favour. Day 30 cohort retention counts the users from a single install cohort who are still active on the thirtieth day after installing.

Read it next to your cost per install and the picture sharpens. The leakiest part of the funnel is not the download. It is everything after it.

The app cannot hold them on its own

Notifications get muted. Win-back promotions buy a session, not a habit. Every re-engagement channel you own has to fight for attention inside the same screen as everyone else’s — and the moment your app is closed, your brand is invisible until the next campaign fires.

So you acquire the same customer twice. It is the most expensive kind of growth there is, and it is the quiet line item behind most finance-app budgets.

Loyalty is decided outside the app

The moments that build a finance brand rarely happen on a screen. They happen at the till, at the café, at the airport counter — in the half-second where someone decides which card comes out of the wallet.

Top-of-Wallet is a daily, physical election. The product that wins it gets used, topped up, talked about and kept. Far more often than not, the app follows the card rather than the card following the app.

What a physical card actually changes

We are not going to claim that a card fixes retention on its own. That proof has to come from your own cohort data, and any vendor promising it before you have measured it is selling you something.

What a card changes is exposure. It is a premium object your customer carries every day, visible in every payment moment, present in the wallet even on the days they never open your app and never tap it. Of every channel you own, none has that much surface area in an ordinary life. That makes it a retention hypothesis worth testing.

Why most teams never test it

Until recently, testing that hypothesis meant launching a card programme: new infrastructure, compliance sign-off, factory personalisation — six months before a single card ships.

That is not a marketing experiment. That is a company-level commitment, which is why the idea dies in the business case, gets revisited a year later, and dies again for the same reason.

What has changed

Tapeeze runs on the BIN you already have, your own or a sponsored one. Nothing is printed on the card, so nothing has to be personalised in a factory, and a branded tokenized card experience is live in two weeks from design approval.

Metal, ceramic or wood. You remain issuer of record; we provision the physical and token layer. The card is contactless-only, with no chip — which we would rather say here than leave in a footnote.

Explore a retention-led card concept

Book a meeting with us. Fifteen minutes, your BIN, your numbers. We will tell you what is possible and what is not before you build a business case around it.