Building a card product means stitching together a processor, a card sponsor, a KYC vendor, and a compliance team. Reap replaces all of it with one API, so you launch under your own brand in weeks, not quarters, across the markets you want to serve.
The team building the financial stack needs one too. Reap Direct gives your company cards, global vendor payments, and expense management, funded in stablecoin, no bank account required.
Launching a card product usually means managing a processor, a card sponsor, a KYC vendor, and a fulfilment partner, plus the compliance layer 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.
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.
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.
Give your users pay-ins, pay-outs, and FX in 20+ currencies.
Add yield so your product becomes save-and-spend.
Agent cards with scoped credentials as your product evolves.
We launched a full branded card product, issuing, KYC, and compliance, without building or running any of the underlying infrastructure ourselves.
Weeks, not quarters. You integrate one API and inherit issuing, compliance, and fulfilment, with a full sandbox from day one and dedicated technical onboarding.
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.
Yes. Add the markets you want to serve on one integration, currently across our licensed markets (Hong Kong and Mexico), with more added over time.
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.
Yes. Switch on payments, yield, or agent cards later as enablements on the same integration, no rebuild and no new onboarding.
We'll scope your program, walk through compliance for your markets, and get you into a sandbox.
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