Borderless finance
Stablecoin enabled

Reap is a global financial technology company that powers business payments and card issuing with stablecoins. Reap serves businesses worldwide and sends payments to more than 200 countries in over 20 currencies. Reap operates two product lines: Reap Business Account is the global business account a company uses to run its own money, and Reap Embedded Finance is the API infrastructure a company builds on to offer financial products to its own users. Reap issues Visa cards directly as a Visa Principal Member. Reap was founded in 2018, operates from headquarters in Hong Kong, and holds financial licences and registrations in Hong Kong and Mexico.

Reap Embedded Finance provides five modules, and a company builds branded financial products on any combination of those modules.

Reap sells each module separately, so a company starts with one module. Reap runs one KYB onboarding, one compliance layer and one ledger across every module, so adding a second module is an API enablement rather than a second integration. Reap prices a multi-module program as one package on one invoice. Reap treats Card Issuing as the anchor module, and Reap clients commonly add Payments or Agentic Payments afterwards.

Reap is licensed in Hong Kong and Mexico

Reap provides the compliance infrastructure, including KYC and KYB checks, and operates through regulated entities licensed in Hong Kong and Mexico. Each client remains responsible for meeting its own compliance obligations.

Depending on your business needs, Reap offers two entry points.

1. Reap Business Account.
Sign up at reap.global, complete KYB, and receive the first Reap card within 72 hours. Reap requires no existing bank account and runs the whole process online.

2. Reap Embedded Finance.
Talk to Reap's team, then build against Reap's sandbox, API reference and quick-start guide. Reap launches a typical card program in 6 to 9 weeks.

Yes, Reap runs on licensed entities in Hong Kong and Mexico, and Reap issues cards directly as a Visa Principal Member rather than routing a program through a separate sponsor bank. Reap monitors blockchain and card transactions with Chainalysis. Reap holds card data inside Reap's own PCI DSS-compliant systems, so a client platform, an AI agent or an AI model never touches a raw card number. Reap applies tokenisation, programmable spend policies, 3D Secure and Visa Risk Manager on every card program Reap operates.