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How Xibalba helped Tip & Tap scale digital tipping across the GCC through secure fintech APIs
The Idea
The idea behind Tip & Tap began with a modern, humanistic vision — to create a safe and easy digital way for individuals to exchange financial and non-financial rewards in appreciation of efforts or services in a cashless, evolving environment. Xibalba saw in this idea an opportunity to launch a model that reflects the spirit of the UAE in appreciation and tolerance, through a smart application that connects people in a sophisticated digital way that combines security, innovation, and humanity.
The Challenge
Xibalba faced a number of technical and regulatory challenges:
1
Building an integrated digital financial system compliant with the regulations of the UAE Central Bank.
2
Designing a simple and user-friendly interface for all segments of society and in multiple languages.
3
Connecting the application to licensed payment gateways without complicated registration or transfer processes.
4
Ensuring the highest standards of cybersecurity and data protection.
5
Transforming the concept of human appreciation into an effective digital experience managed via smartphones.
The Technical Solution
Xibalba developed the project from concept to full implementation through meticulous and organized stages:
The Results in Numbers
6
GCC Countries
Application launched across all GCC countries
333+
Active Users
During the first phase
100%
Security
All financial transactions without security breaches
30%
Cost Reduction
Transaction costs compared to market
15+
Media Coverage
Arabic and international platforms
27001
Certified
Encrypted servers with ISO standards
The Impact
Xibalba has successfully transformed the concept of individual rewards into an integrated digital system that connects technology with societal values. Tip & Tap has become an effective model for financial technologies that embody a human spirit and align with Dubai's digital transformation strategy, fostering a culture of appreciation and respect within the Gulf community.
A Message from the Founder
"At Xibalba, we don't just build applications; we create transformations. Tip & Tap is a reflection of our belief that technology can bring people closer together and spread the values of giving and appreciation in a sophisticated digital way."
D
Dr. Amna Abdullah Ali
Founder and CEO – Xibalba
API & Technology Documentation
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Xibalba has evolved into a comprehensive technology hub encompassing various innovative projects
