AIMextraordinaire

London stock market investor - DYOR

[Tap Global Group Plc @TapGlobalPlc]

Bitcoin Treasuries. Ethereum. Solana.

£1m raised. Heavily oversubscribed.

Tap’s plan: build the reserve → earn through Tap Earn → fund Tap's growth.

LSE: $TAP | OTCID: $TAPIF

Link: https://t.co/HVohu9XzGF

[Artur Nadolny @ArturNadol7566]

THIS IS THE NEXT BIG UK SCANDAL

You go to your bank for a loan. What you actually get is a bomb with a timer on it, and the bank keeps the detonator. That is the Hidden Credit Line scandal

It has been running since the 2000s.

Here is how it worked.

Banks including NatWest (@NatWestGroup), Royal Bank of Scotland (@RBS_Help) and Ulster Bank (@UlsterBankNI) sold business owners what looked like an ordinary loan.

Attached to it was an interest rate swap, marketed as protection if rates went up. What it actually did was build a hidden credit line into the deal, extra exposure booked against the customer's own assets that they were never clearly told about.

When rates fell after 2008, banks used that hidden exposure to call in debts, strip assets and push profitable businesses into insolvency.

Two men refused to let this disappear. Steve Middleton (@stevemiddi1) and Mark Wright, a former RBS manager, built BankConfidential (@BankConfidenti1) to collect the evidence the banks hoped would stay buried.

Mark Wright funded years of the work with roughly £60,000 of his own pension. He also named the individual who taught bank trainees...

... how to forge customer signatures.

Neither man made a penny from any of it. Both watched their careers end for telling the truth.

In November 2022, Steve Middleton, Lord Prem Sikka (@premnsikka) and derivatives expert Ian Tyler sat down with the Financial Conduct Authority (@TheFCA) and showed the whole thing in detail.

@thetimes journalist James Hurley (@jameshurley) had already written four separate articles calling it financial and accounting fraud, including what he described as theft from Ulster Bank fixed rate loan customers.

The FCA let NatWest mark its own homework, then concluded the fraud was not technically criminal fraud. A regulator investigating fraud and ruling that fraud is fine as long as nobody gets arrested for it.

In November 2025, BankConfidential published their full report, modestly titled the largest fraud anywhere ever.

Five months later, on 14 April 2026, it forced a Westminster Hall debate led by John McDonnell MP (@johnmcdonnellMP), chair of the APPG on Investment Fraud and Fairer Financial Services (@appgonifandffs).

MPs read out the human cost. Catherine and Nigel Jarvis, told their losses were not foreseeable by a bank that had built those losses into the product from the start. Stephen and Gloria Lilley, personal guarantors on their own home, refused basic information about the size of the liability they were personally guaranteeing.

MPs asked for one thing, a fully independent judge led statutory inquiry under the Inquiries Act 2005. Before this request there had already been the Foskett panel, the Swift review, the Cranston review, the Tomlinson report, the Project Lord Turnbull report by Sally Masterton and a full parliamentary commission on banking standards. Six reviews, zero justice. This would have been the seventh.

Ian Byrne MP (@IanByrneMP) put it in blunt terms. He leads Parliament's push for the Hillsborough law and knows what institutional cover up looks like from the inside.

Ian Byrne said this scandal belongs on the same list as Hillsborough, the Post Office Horizon scandal and the infected blood scandal.

He also pointed out something ....

FCA is a private company limited by guarantee. It has immunity from civil liability and can resist scrutiny in the courts. A former FCA employee described its staff culture as the worst they had seen across a 40 year career.

One case Byrne raised, Andrew Candy, was hit with a £70,000 break cost never disclosed to him, lost his business and his family home, then spent 17 years fighting for answers nobody gave him.

The government's answer came from Economic Secretary to the Treasury Lucy Rigby (@LucyRigby). She told Parliament the FCA is independent, so ministers should be careful about interfering with its judgment.

AGAIN..

The regulator failed to regulate for over a decade, and the reason offered for not investigating that failure is respect for the regulator's independence.

That is like refusing to review a fire brigade because fire brigades are traditionally left to fight fires, even the ones they started.

Thousands of small businesses were quietly bled out through a product almost none of them understood and almost none of them were properly warned about.

2 whistleblowers gave a decade and a pension trying to fix it. Parliament asked for an inquiry. The Treasury offered a lecture on regulatory independence instead.

Nobody has gone to prison... yet.

Sources: @stevemiddi1, @BankConfidenti1, @jameshurley, @thetimes, Hansard Westminster Hall debate 14 April 2026, @johnmcdonnellMP, @IanByrneMP, @appgonifandffs, @TransparencyTF, @TheFCA, @LucyRigby, @_moneymarketing

[Feargal Sharkey @Feargal_Sharkey]

"Dry weather sewage discharges soar as water companies face scrutiny."

"Exceptional weather", anyone?

When are we going to put an end to this farce, starting with Thames Water?

https://t.co/fBQ18eG0Ve

[Feargal Sharkey @Feargal_Sharkey]

"1 in 4 chance of ‘catastrophic’ water supply failure for 1m Britons."

Yep, according to the govt's national risk register there is now 25% chance of a massive failure "resulting in the loss of piped drinking water and impact to wastewater services for over one million people”, adding that "residents would likely have to leave the area, and some may require evacuation. It is likely that repair of the infrastructure could take months".

You have been warned.

https://t.co/gb8sEMIUsk

[Windrush WASP @WindrushWasp]

Government is going to let the privatised water owners keep polluting and scamming us unless enough of you good people stand up against it.
It is that simple.

Please sign and share to take control of your future
https://t.co/p7dZoNJONr

[Feargal Sharkey @Feargal_Sharkey]

Juliet, glorious to hear from you and thank you for this.

I suspect Oxera might want to review some of their work. Transpires that out of the £104 billion supposedly to be spent during this AMP period £14.3bn of it is apparently coming from fresh equity, the remainder, £90bn is "allowed revenue", ie funded through the increase in bills over the next 5 years (Ofwat, City Briefing in December 2024).

Upon closer examination however something quite interesting develops, of the £14.3bn coming from equity £13.2bn is then recouped via dividend payments back to the shareholders so in reality over the next 5 years the net contribution from shareholders is just £1bn.

Leaving a total of £91bn in funding to be spent over the next 5 years 99% of which is being sourced directly from bill payers pockets.

Makes you wonder why we ever needed shareholders in the first place.

[Tap Global Group Plc @TapGlobalPlc]

📢 FY26 Trading Update

​Tap closes FY26 ahead of expectations, with Tap Earn scaling fast.

✅ ~£3M revenue – ~7% ahead of market
✅ 400,000+ registered users
✅ Tap Earn AUM through US$5.6M – up 61% in three months

🔗 https://t.co/uGF9lxJf0X

[Tap @Tap_Fintech]

Recurring Buys are live on Tap. 🔥

You told us you wanted to DCA automatically, so we built it. Pick your assets, set your schedule, done.

Set yours up → https://t.co/dndpvhAN5C

[Tap @Tap_Fintech]

Introducing the Double Payday Draw. 🎉

Every month, one winner gets their salary matched.

Just get your salary into Tap. And you're in.

Find out more: https://t.co/f3PTzlpS4c

T&Cs apply.

[AIMextraordinaire @1989Trinity]

@Tap_Fintech My crypto is sat there doing nothing because XTP is going nowhere.

Let's make XTP great again!

[Canary @TheCanaryUK]

Thames Water has just increased bonus payouts for "key management personnel" from £2.8 million to £4.1 million – despite being £18.5 billion in debt and causing several category 1 pollution incidents.

Thames bypassed Ofwat's bonus ban, which ONLY targets chief executives and finance managers, by awarding the bulk of the £4.1 million to other executive team and board members.

We were told privatisation would bring efficiency and lower costs – instead we got shitty rivers and some of the highest bills for water in the world.

[Tap @Tap_Fintech]

Tap card out here living its best summer life 😎🔥

[Tap Global Group Plc @TapGlobalPlc]

Introducing Stabld – Tap’s own stablecoin live within our app 🪙

Tap now issues its own stablecoin and controls the rails that move it, enabling seamless 1:1 conversion and end-to-end settlement.

Further capabilities and milestones to come 👀

🔗https://t.co/p4OQSJzd7K

[Tap Global Group Plc @TapGlobalPlc]

Salaries & 3rd party payments, now received directly into #TAP — no bank account needed.

Bigger balances = more trading, Tap card spend + use of Tap Earn — deepening engagement & driving more revenue for the Group.

🔗https://t.co/lxKyUl1YF3

[Tap @Tap_Fintech]

Most savings accounts pay under 1%. Stablecoins on Earn now pay 4–7%.

[Tap @Tap_Fintech]

They doubted 🕯️
$XTP

[Tap Global Group Plc @TapGlobalPlc]

Tap Earn is now live in the UK!🪙🚀

A new revenue stream for the company is now live across all our markets.

🔗 Read more https://t.co/9uj66ZtvxY

#TAP #CryptoYield

[Tap @Tap_Fintech]

You asked. We delivered.🫴
$AVAX and the entire Avalanche blockchain are LIVE on Tap. ✨

Get Tap : https://t.co/SVA2m5Rbkh

[Tap @Tap_Fintech]

Your bank gives you pennies. Inflation eats them. And the fine print? Don't get us started. 🙄 So we built something better!

Meet Tap Earn, because growing your money shouldn't require a law degree. Just real yield, made simple. 🤓💸

Find out how it works: https://t.co/sFJRd45ybl

[Tap @Tap_Fintech]

Tap Earn is live! 🔥
Start earning up to 7% APY on $BTC, ethereum:native , $USDT, ripple:native and many more. No lockup, no minimums. Yeah, it's that easy. 💸

See you inside.

Get the app → https://t.co/w77UjmXrsJ