Get started as fast as 24 hours

The business account for web3 companies.

Cards, global payments, and expense management for your whole business — all in one account.

No bank account needed Onboard in as fast as 24 hours
Live
Reap virtual card
VIRTUAL
•••• •••• •••• 4471
Marketing Team
$5,000/mo
Card name
Limit
Live authorizations
A
AWS
Cloud infrastructure
$1,284.00
✓ Approved
O
OpenAI
API usage · agent
$742.10
✓ Approved
U
Unverified merchant
Exceeds card limit
$9,800.00
Declined
S
Stripe payout
Marketplace settlement
$4,120.50
✓ Approved
Powering web3 finance teams
The problem

You shouldn’t have to explain what a DAO is.

Reap has onboarded hundreds of Web3 teams. We understand how modern digital businesses are structured, and we built onboarding and compliance around that reality instead of forcing you into a legacy mold.

Built for Web3 structures

Onboarding built for foundations, DAOs, and distributed teams.

Institutional-grade compliance

Compliance without the traditional-bank rejection.

Support that speaks your language

From people who know how your business actually runs.

Why Reap

Run your global business without a traditional bank

Web3 companies get waitlisted, de-banked, and boxed out by legacy finance. Reap gives you fully operational business finance without the friction.

Corporate cards for every team

Issue virtual and physical corporate cards for team spend.

Global payments in 18+ currencies

Pay vendors and contractors in 18+ currencies, as fast as same day.

Spend control built in

Control spend with budgets, approvals, and accounting sync.

0% onboarding & subscription fees

No setup fees and no monthly subscription — ever.

Card issuance

Issue new cards in seconds

Issue as many cards as you need, virtual or physical. Name it, set a spend limit, and it’s live instantly.

Virtual or physical cards
Unlimited card issuance
Custom spend limits
Balances3 currencies
$USD128,400.00
$USDC84,120.00
HKHKD992,300.00
Controls

Take full charge of your business spend

Watch virtual cards handle your business expenses automatically, in real time.

Set budgets by day, month, or year
Control merchant type and location
Enforce policies by design
New cardMarketing Team
Card name
Marketing subscriptions
Monthly limit
$5,000.00
Create card
Security

Next-gen security, built in

Every payment is screened in real time. Suspicious activity is flagged and blocked before it ever touches your account.

Advanced risk monitoring. Chainalysis-powered checks on all digital currency payments and collateral.
Real-time fraud prevention. 2FA logins, 3D Secure, Visa Risk Manager, and Featurespace enabled.
Full control at your fingertips. Instantly freeze, replace, and update cards via dashboard or mobile app.
Live authorizationReal-time
DEUnverified merchantExceeds card limit$9,800.00
Flagged & blockedCard frozen
Use cases

Everything your finance team needs

No bank account? No problem.

Make business payments without needing a traditional bank setup.

Support for major currencies.

Pay globally in USD, or settle locally in EUR, GBP, and 18+ currencies.

Global reach. Local rails.

Send USD via SWIFT, or pay locally using FPS, SEPA, and FAST — covering 220+ countries and territories.

How it works

Three steps from sign-up to spend

1

Sign up

Onboard in as fast as 24 hours.

2

Flexible settlement

Choose the settlement options that work for how you operate.

3

Spend & pay

Cards plus global payments from one dashboard.

Frequently asked questions

Most businesses are onboarded in as fast as 24 hours, with a first card issued within 72 hours of signup.

No. Reap is a complete business account. Pay vendors, issue cards, and manage expenses without ever setting up a traditional bank.

Yes, it’s who we built for. We’ve onboarded hundreds of Web3 teams, from foundations and DAOs to agencies and distributed operating companies.

Send USD via SWIFT, or settle locally through FPS, SEPA, and FAST across 220+ countries and territories. Hold and settle in 18+ currencies.

Every payment is screened in real time with Chainalysis, 3D Secure, Visa Risk Manager, and Featurespace. Suspicious activity is blocked automatically, and any card can be frozen instantly.

None. 0% onboarding and subscription fees.

Yes. Issue unlimited virtual and physical corporate cards with custom spend limits, approvals, and merchant controls for each team or project.

Stop waiting on banks. Start operating globally.

Create account