BipTap: Founder Story, Omni Bank Model and Funded Accounts

BipTap founder Jonathan Lowe joined Julian Stafford for a long conversation recorded after TOKEN2049 in Dubai. BipTap stands for borderless instant payment tab. The company began by building white label crypto debit cards, then concluded that cards were only a bandage. Jonathan said most people use crypto cards because of problems with traditional banking. BipTap became a banking as a service platform, which he calls the first omni bank: a crypto bank, a traditional bank, a digital bank, an exchange and cards in one product. Its modular design plugs in regulated banks from different regions, which is why he says it has been called the Airbnb for banking.

He said BipTap has about 250,000 members and 15 to 16 white labels live. He described annualized volume as already in the eight figures with nine figures as the next target. He said the team has 70 to 80 developers in Romania, expects to finish the bulk of infrastructure development within a few months and cut that cost sharply, and plans a private and investment bank in Luxembourg within 12 to 18 months. Among partnerships he named were a banking agreement with the Central African Republic, MTS Technologies, OnlyFans and Kaia Chain.

The founder story is the center of the episode, and it is also a distribution lesson. Jonathan ran nightlife venues and a modeling agency in Singapore in his twenties. After a divorce and a spiral, he served a prison sentence in Bangkok. He said prayer, meditation, reading and a written vision board got him through, and that he left with no contacts, no accounts and no money, then started BipTap in 2022. At first he hid his past, and people tried to use it against him. He changed course after an investor told him he backs founders, not decks. Jonathan now tells the story openly and says it brought in investors, partners and attention that a plain tech founder profile would not have.

He applies the same logic to his own channel. He posts several times a day on Instagram and TikTok, shares his daily schedule, and has set a goal of 1 million followers. His reasoning is that founder-led marketing is trending and that people care about the founder behind a company. For founders stuck below the next revenue level, he pointed to limiting beliefs and impostor syndrome, then consistency and a clear reason for building, which for him is supporting his family.

The video description reports that BipTap reached 1,000 first-time deposits from 5,000 app downloads with Surgence Labs, so 1 in 5 downloads became a funded account. The conversation itself stays on the founder story and the business rather than campaign mechanics.