Issue your own cards.
Let your users spend digital assets - anywhere credit card is accepted.

Go live in as little as 3 months.
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Reap is your card Issuer, card designer, manufacturer, and distributor—so you don’t need to piece it all together.
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One partner. Everything managed. You stay focused on growth.

Trusted by modern businesses

// turnkey solution

Build your digital asset-powered card program. Ready for USD & MXN too.

Let your users spend their balance with you - whether digital assets or local currency*.

Issue widely accepted credit cards denominated in USD or MXN

Let users spend in digital assets or cash.

Real-time authorization - to help you deduct a digital asset balance held on your ledger.

Fund your program in whichever currency suits your business - stablecoins or cash.

*Terms & conditions applied.

// Swift

Everything you need to launch a card program—already built in.

Launching a card program is complex. We make it effortless.

We’ve built and scaled programs from the ground up, so we know what it really takes—from the first sketch of your card to the first transaction in-market.
You bring the vision. We provide the infrastructure, and operational expertise to match.

Card Network Issuing License

Reap holds long-standing card network partnerships and issuing capabilities — no need to apply for your own license.

End-to-end management

From concept to card-in-hand, we support the full lifecycle of your program—including card configuration, production, distribution, risk and compliance workflows.

Collaborative launch support

We don’t just drop tools in your lap—we work with you to understand what success looks like, and build the roadmap together, and guide your team every step of the way.

Developer-first integration

Robust APIs, comprehensive sandbox environment, and dedicated technical support for fast, reliable setup.

// Global

Scale globally with confidence.

Scale with unlimited virtual and physical cards.

Issue unlimited physical and virtual cards to scale your program with ease.

Accepted everywhere

Credit cards - accepted globally.

Global manufacturing

Optimize your shipping speed and cost - depending on where your cardholders are based.

// Fast

Get to market faster.

Launch your card program fast

Most programs launch within 2–3 months post-verification.

Instant card issuance

Issue virtual cards instantly. Add to your mobile wallets. No physical card required to start spending.

// secure

Security and compliance, from day one.

Built-in fraud prevention

Risk manager and AML integration monitor threats in real-time.

Cardholder data protection

Configuration, encryption, 3DS, and two-factor authentication are part of our standard stack.

PCI DSS compliance made simple

Use our PCI-compliant widget to securely store, transmit, and process sensitive cardholder data on our PCI-compliant infrastructure, without the burden of your own certification.

// Customisable

Customized to your brand. Tailored to your users.

Your program, your rules

Set card usage rules by time, location, merchant type, and more. Manage authorizations with flexible treasury flow logic. (alternative: Control how funds are authorized and routed with flexible rules) Support both standard and real-time authorization flows, enabling advanced balance logic such as deducting from your on-platform or digital asset ledger.

Design that’s truly yours

Tailor everything—from card designs, UI, and customer touchpoints. Match your customer experience down to the last pixel.

Personalized experiences that build loyalty

Empower customers with flexible spend settings, personalized cards, and multi-currency options.

Our focus is getting partners from zero to launch fast—without compromising reliability. By owning complexity across design, risk, and operations, we ensure card programs are flexible, secure, and dependable at scale, so when users need their cards, they simply work.

Harris Leow,
Head of Cards, Reap

// Use Cases

Tailor your program to deliver a personalised experience

Neo-banks

Connect crypto wallets to fiat cards for daily spend.

Digital Wallets & Fintech Platforms

Enable providers to extend offerings by embedding card functionality directly into their platforms that increases product stickiness.

Global Marketplaces & Service Provider

Marketplaces, creator platforms can use cards to pay vendors across borders, while enabling them to spend locally without needing traditional bank accounts.

Get started in 4 steps

Talk to our team

We’ll align on your program vision and guide you through the best-fit setup.

Sign and verify

Once your business is onboarded and verified, we’ll kick off implementation.

Test and integrate

Use our sandbox and APIs to test your experience and issue test cards.

Go live and scale

Issue your first cards, then scale your program.

FAQ

1. What currencies can I use for my card program?

You can choose USD and/or MXN for your card program to be denominated in. Your users can settle in fiat local currency or digital assets. The overall card program can be backed cash or stablecoins through Reap.

2. Why launch a credit card instead of a debit or prepaid card?

Credit cards offer better fraud protection, chargeback support, and global acceptance—including at key merchants and MCCs that often block debit or prepaid cards.

3. How long does it take to launch?

Most clients go live in 2–3 months after KYB approval covering onboarding, integration, testing, and deployment. With a well-prepared technical team, some programs have gone live in 2 weeks.

Borderless finance, stablecoin enabled.

O futuro da conectividade financeira

Issue your own cards. Let your users spend digital assets - anywhere credit card is accepted.