BioTap — Tap & Pay

The Problem

Across Nigeria—and much of Africa—payments are still powered by systems that were never designed for speed, scale, or security. Cash remains dominant, creating long queues, high fraud risk, and inefficient reconciliation for businesses and institutions. Handling physical money exposes consumers and merchants to theft, loss, and operational chaos. Digital alternatives have not solved the problem: - Cards are frequently unreliable and vulnerable to fraud - PIN-based systems create friction, slow transactions, and security risks - Mobile money and banking apps exclude millions who lack formal bank access, smartphones, or stable connectivity For everyday life—buying groceries, paying school fees, boarding public transport—payments are still too slow, too complex, and too risky.

The Market Opportunity

The scale of this problem is massive—and so is the opportunity. Nigeria: Population of 200+ million with a large percentage remaining cash-dependent. Millions are unbanked or underbanked, yet transact daily. High-Impact Target Segments: - Education: Schools, universities, training institutions - Retail: Supermarkets, malls, chains, and local markets - Public Transport: Buses, train stations, transit hubs - Informal Economy: Marketplaces and micro-merchants Together, these sectors represent billions of dollars in annual transaction volume—much of it still handled inefficiently. Africa at Large: The African digital payments market is valued at $60+ billion, growing at 20%+ CAGR, yet a significant portion of the population remains underserved or excluded. This is not just a market gap. It is a systemic opportunity.

Why BioTap Changes Everything

BioTap replaces what you carry with who you are. No cards. No PINs. No cash. Just Tap & Pay. By using biometric identity, BioTap enables: - Instant, secure transactions - Fraud-resistant payments - Seamless access for the unbanked - Faster queues, cleaner records, and real-time reconciliation BioTap isn't just a payment solution—it's financial access at scale. The Vision: To create a payment ecosystem where identity is currency, inclusion is default, and payments are instant, secure, and universal. BioTap is building the future of African payments—one tap at a time.

Project Scope

• Full-stack web application development
• Biometric authentication integration
• Payment processing system
• Real-time transaction monitoring
• Admin dashboard and analytics
• Mobile-responsive design

Tech Stack

Project Structure

Technical Architecture