Use Case — Neobanks & Fintechs

Launch a full card product. Without building the bank.

Building a card product means stitching together a processor, a card sponsor, a KYC vendor, and a compliance team. Reap consolidates that into one API integration, so you can launch under your own brand on existing regulated infrastructure in Reap’s licensed markets.

Talk to us Explore API docs

Your product · powered by Reap

Request 201 Created

POST /v1/cards
{
  "user_id": "usr_8241",
  "brand": "your_app",
  "type": "virtual",
  "currency": "USD"
}

One integration · issuing + compliance + fulfilment

Card issued

Virtual

•••• •••• •••• 4417

Your brand 09/29

KYC checked

Live in seconds

Authorizations Live

Acme Supplies

Hong Kong · 12:04

$248.00

Approved

Lumen Cloud

Mexico · 12:01

$62.40

Approved

Vera Pay

Brazil · 11:58

$1,320.00

Approved

Interchange flows back to your program

Powering card programs at leading neobanks and fintechs

2M+

Cards issued, across
100+ markets

8+ years

In card issuing,
since 2018

~100%

Dispute
win rate

1st

Crypto credit card
issuer in the world

One platform

One API replaces your entire card stack.

Launching a card product usually means managing multiple vendors and stitching them together. Reap replaces all of it. You integrate once and inherit issuing, compliance, and delivery, live in weeks, across multiple markets on the same integration.

One API: create, activate, freeze, and retrieve cards; we run issuing and authorization

Compliance support included: we run KYC operations on your behalf; AML/CTF responsibility for your program stays with you

Launch across markets on one integration, virtual instant, physical worldwide

Replace the stack with one integration

Before

Card processor

Card sponsor

KYC vendor

Fulfilment partner

Compliance team

After

One API

Issuing, compliance, and fulfilment on a single integration and one onboarding.

Launch across markets

Hong Kong Mexico Brazil + more over time

Program ownership

Your product. Your brand. Your interchange.

Every card is your product — your name, your design, virtual or physical. You own the cardholder relationship entirely; Reap is the infrastructure layer, invisible to your users. Interchange revenue flows back to your program on qualifying transactions.

Custom card design with your branding (virtual instant, physical worldwide)

You own the cardholder data and relationship end to end

Interchange revenue flows back on qualifying transactions

Program dashboard

•••• •••• •••• 5192

YOUR NEOBANK

Active cards

38,400

Monthly volume

$27.9M

Interchange earned (MTD)

+$58,200

Funding & authorization

Fund your program centrally. Back cards with more than stablecoins.

You fund the program from one pool, and each user's spending power is tracked for you — no per-user wallets to manage. Back spend with stablecoins, or more as you grow. And choose how transactions clear: defer to Reap against the limits you set, or own the decision yourself.

Program-Funded: fund once from a central pool; each user's balance tracked for you

Back cards with stablecoins or more, multi-asset as you scale

Authorization your way: defer to Reap (default) or own the real-time decision

Program funding

Program-Funded Multi-asset

Fund one central pool. Each user's spending power is tracked for you, backed by stablecoins or more.

Central pool Per-user balance Card spend

Authorization mode

Defer to Reap Default

We authorize against the limits you set. Least to build, least to break.

Own authorization

You decide every transaction in real time. Full control.

Also for your own team

The team building the financial stack needs one too.

Reap's Business Account gives your own company cards, global vendor payments, and expense management — funded in stablecoin, no bank account required.

Find out more →

What our clients say

“

We launched a full branded card product — issuing, KYC, and compliance — without building or running any of the underlying infrastructure ourselves.

KAST Finance

Crypto neobank — card program client

Start with cards. Grow into the platform.

Cards are the entry point. Each capability below is an enablement on the same integration, contract, and invoice — not a new build, not new onboarding.

01 · Add anytime

Payments

Give your users pay-ins, pay-outs, and FX in 20+ currencies.

Explore Payments

02 · Add anytime

Sentry

Automate monitoring and controls for safer card programs at scale.

Explore Sentry

03 · Add anytime

Rewards

Launch card-linked rewards and incentives without rebuilding your stack.

Explore Rewards

04 · Add anytime

Agentic

Agent cards with scoped credentials as your product evolves.

Explore Agentic

Frequently asked questions

How long does it take to launch a card product?

Weeks, not quarters. You integrate one API and inherit issuing, compliance, and fulfilment, with a full sandbox from day one and dedicated technical onboarding.

Do we need our own card licence or a compliance team?

No. Reap issues directly as a principal member of major card networks and runs full KYC for you, so you launch without hiring a compliance function.

Can we launch in more than one market on the same integration?

Yes. Add the markets you want to serve on one integration, currently across our licensed markets (Hong Kong, Mexico, Brazil), with more added over time.

How do we fund the program, and can we back cards with more than stablecoins?

You fund one central pool (Program-Funded) and each user's spending power is tracked for you. Back spend with stablecoins, or more as you scale.

Can we add payments and other products later?

Yes. Switch on payments, yield, or agent cards later as enablements on the same integration, with no rebuild and no new onboarding.

Launch your card product.
On one API.

We'll scope your program, walk through compliance for your markets, and get you into a sandbox.

Book a demo Explore API docs

Principal member, major card networks Institutional-grade custody Licensed in HK · MX Embedded KYC & monitoring

Launch a full card product. Without building the bank.

One API replaces your entire card stack.

Your product. Your brand. Your interchange.

Fund your program centrally. Back cards with more than stablecoins.