Identity

The infrastructure behind every BioTap payment

Your identity initiates the payment. BioTap moves the value. The rail connects the transaction — whether you tap a finger, a phone, a checkout, or a request.

The path

Six moments. One journey.

01
Identity
Know who is initiating the payment.
02
Authentication
Confirm the right person authorized it.
03
Payment
Capture it at the POS, on NFC, online, or in-app.
04
BioTap Rail
Route the value through one payment network.
05
Ledger
Record the transaction and update balances.
06
Settlement
Complete movement between the relevant parties.

Rail activeIdentity

Payment orchestration

Every payment follows a secure path from identity to settlement.

Identity-first security

Your identity stays at the center of every payment — not a card, PIN, or stored template on a merchant device.

Verified
Authenticated
Authorized

One rail. Multiple ways to pay.

From offline authorizations to NFC and online checkout, every payment connects through the BioTap payment rail — then reaches a merchant, a person, or another bank.

Watch a payment

Ade₦12,500 · Biometric

Mira₦5,000 · NFC

Kemi₦2,500 · Tap4ME

Tunde₦28,000 · Online

BioTap Rail

Offline queue

1,680 txs

Payments don't wait for connectivity

BioTap authorizes supported transactions offline, holds a secure state, then syncs when the connection returns.

Tap without a card

NFC is another way onto the same BioTap rail — same identity, a different gesture.

Tap pathRail healthy

Tap4ME

When Tap4ME is active

Your BioTap identity becomes a connected payment key across the network. Tap4ME is not another wallet — it is an activation layer for connected payments.

Tap4ME active · Ready for connected payments

User → User

User → Merchant

Merchant → User