Build and pay without lifting a finger.

Imagine a time when your agent recommends, authenticates, and pays, all in a single flow. No human in the middle. Yes, AI agents can now research, decide, and act.

Talk to our team

Programmable credentialsPasskey authStablecoin settlement

01 Infrastructure

The payment infrastructure the
agentic economy was waiting for:
Agentic Commerce

Visa Intelligent Commerce (VIC) is the global standard for agentic payments, enabling AI agents to transact on behalf of individuals and businesses.

Reap is proud to be a licensed issuer and partner that makes it deployable: programmable credentials, agent-specific spend controls, and stablecoin-native settlement in one stack.

Licensed infrastructure

Regulated Visa-network rails across key markets

Built for autonomous spend

Credentials and controls built for machines, not people

Stablecoin-native settlement

USDC. No conversion delays, no FX friction

Issuer status

Licensed
VIC Partner

Settlement

USDC-native,
no FX

Authentication

Passkey - Agentic scopes

Availability

Global -
42 markets

02 Why Reap

Three reasons we get the call.

Other issuers bolt agent support onto legacy card processing. Reap was built on modern infrastructure from day one, then earned the licenses to plug into the regulated rails. That order matters.

Infrastructure designed for agents, not adapted for them

Tokenized credentials, programmable spend controls, stablecoin settlement rails designed for the new way of commerce. Built this way from the start.

Agents that complete, not just recommend

From intent to settlement in a single agentic flow. No human handoff required at the payment step.

Compliance built into the infrastructure

Purpose-built for agentic AI payments. KYB, KYC, and network-level authorization handled at the platform layer. Your team builds the agent. Reap handles what happens when it pays.

03 Who It's for

Built for teams advancing the
next wave of commerce.

AI agent builders Enterprise B2B platforms Web3-native teams

01 For

AI agent builders

You're building agents that book travel, manage infra, negotiate deals. They need money primitives — not a screen-scraping hack around a human's credit card.

Pain point

Agents stop at "recommend", the payment handoff breaks the flow

How we help

Programmable Visa credentials for agentic AI payments, end-to-end

02 For

Enterprise B2B platforms

Your platform routes spend through expense reports, virtual cards issued weekly, and a finance team approving at 5pm. Replace all of it with credentials an agent can request and release programmatically.

Pain point

Procurement and supplier payments are still manual today

How we help

Agent-initiated flows within pre-approved spend controls

03 For

Web3-native teams

Your ops budget lives on-chain. Fiat conversion is the tax you pay to buy SaaS and AWS. With VIC, top up in USDC and transact against merchants globally — no fiat on-ramp in the middle.

Pain point

Off-chain payments force a detour into fiat

How we help

USDC-native settlement means no bridging, no conversion overhead

04 Key Features

The feature set, unpacked.

Seven primitives. Five live in production today; two ship this year. Every item is available via API — no dashboard-only features, no "contact sales for activation."

Agent-Specific Tokenized Credentials

Programmable Spend Controls

Passkey Authentication

Real-Time Network Authorization

Commerce Signal Logging

Full audit trail per transaction — built in from day one

05 How it works

Six steps from intent to settlement.

From your agent saying "buy this" to Reap settling on-chain — runs in under four seconds on a cold path.

Agent initiates intent

Your agent decides to buy — compute, SaaS, flights. It calls Reap asking for a credential.

Reap scopes & issues

Scoped by merchant, amount, TTL. A Visa-backed tokenized credential is minted in ~120ms.

Passkey binds auth

The credential is bound to a passkey held by the agent. No OTP, no phone tap, no human.

Agent transacts

Agent presents the credential at checkout. Visa auths, Reap underwrites against Stablecoin collateral.

Merchant receives funds

Merchant gets standard Visa settlement. From their side, it's a normal card transaction.

Reap settles on-chain

Reap nets out your collateral against Visa. You see a Stablecoin debit; no bank, no FX, no three-day gap.

06 FAQ

Questions we get often.

A fast read on the parts of VIC that teams usually want to understand before their first call. Still unclear? Ask us directly — we'll route you to the right engineer on the first reply.

+01What is Visa Intelligent Commerce?

Visa Intelligent Commerce (VIC) is Visa's global framework for enabling AI agents to transact on behalf of users and businesses. It defines the identity, authentication, and authorization standards that let AI agents make payments autonomously — within rules set by the human user. Reap is a licensed VIC issuer and infrastructure partner.

+02What is agentic commerce?

Agentic commerce is the next evolution of how transactions happen — where AI agents, not humans, initiate and complete purchases autonomously. Instead of a person clicking "buy," an agent researches options, selects the best one, authenticates, and pays — all within parameters set by the user. Visa Intelligent Commerce is the network-level standard that makes agentic commerce safe and verifiable at scale.

+03What are agentic payments?

Agentic payments are transactions initiated and completed by AI agents on behalf of a user — without requiring manual approval at the point of purchase. The user sets the rules upfront (spend limits, approved merchants, categories), and the agent operates autonomously within those bounds. Visa Intelligent Commerce provides the network-level infrastructure that makes agentic payments secure and verifiable.

+04Is this a new product or something Reap has been building toward?

Building toward. Reap's infrastructure has been designed with autonomous operation in mind. VIC is where that becomes an actual product. And this is just the start of Reap's innovation track in the programmable economy.

+05Do users have to approve every transaction?

It depends. Users will be able to set their spending limits, MCC through payment instructions. The agent then operates autonomously within those bounds. When a transaction approval is needed, a passkey will be requested from the user and they will need to approve the action by providing the password.

+06Which agent protocols do you support?

Trusted Agent Protocol, Machine Payments Protocol (MPP), and Agentic Commerce Protocol (ACP) — via a single integration.

+07How is this different from giving my agent a corporate card?

A corporate card has no concept of agent identity, spend scope, or programmable controls. Reap's VIC credentials are bound to specific agents, rules, and merchants, all validated at the network level before every transaction. Using VIC also means you do not have to give our your card details.

+08What's coming next?

VIC is the start. Reap's innovation track continues on to programmable treasury, AI-native financial workflows, autonomous cross-border settlement. Talk to our team for more information.

Agentic Commerce
by Reap is coming.

Talk to our team to see how VIC fits into your agentic stack, and where we're taking it next.

Talk to our team

Borderless finance, stablecoin enabled.

O futuro da conectividade financeira

Build and pay without lifting a finger.

The payment infrastructure theagentic economy was waiting for: Agentic Commerce

Three reasons we get the call.

Built for teams advancing thenext wave of commerce.

AI agent builders

Enterprise B2B platforms

Web3-native teams

The feature set, unpacked.

Six steps from intent to settlement.

Questions we get often.

Agentic Commerceby Reap is coming.

The payment infrastructure the
agentic economy was waiting for:
Agentic Commerce

Built for teams advancing the
next wave of commerce.

Agentic Commerce
by Reap is coming.