Web3 expense management

Run your Web3 finance from your stablecoin treasury

Your treasury is on-chain, but your bills, payroll and books are in fiat. Spend on Visa credit cards, pay anyone in 150+ countries, get paid and close your books, all funded from USDC and USDT and tracked in one place.

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dashboard.reap.global / treasury

Live

USDC · Solana

$1,240,500

Cards

Engineering — AWSEvents — Token2049Ops — SaaS

Payments

Contributor payout — EURAudit firm — USDDesign agency — HKD

Expenses

3 awaiting approvalReview

Accounting

Ready to sync — 42 transactions

Trusted by Web3 teams

5,000+

businesses on Reap

175M+

Visa merchants accept Reap cards

150+

countries you can pay

40+

payment corridors

chains supported

24H

onboard as fast as

One account for stablecoins and fiat

Stablecoins in. Fiat out. Every expense in check.

Put your stablecoins to work across every way money moves through your business, without off-ramping first.

Cards

Visa credit cards funded by your stablecoin balance. Virtual and physical, one per team, event or vendor, each with its own limits.

Bill Pay

Stablecoin-funded bank transfers to suppliers, agencies and contributors in 150+ countries across 40+ corridors, in their local currency.

Receive Payments

Receive payments from customers and partners into the same account.

Expense Management

One view of every card charge, payout, fee and deposit across your stablecoin and fiat balances, with multi-level approvals and AI receipt capture.

Fund in stablecoins on the chain you already use

Ethereum

Solana

Polygon

TRON

Base

Ink

Arbitrum

Ethereum

Solana

Polygon

TRON

Base

Ink

Arbitrum

Close your books

Month-end close, without the multi-asset mess.

Every finance team has to capture, approve and reconcile. Across stablecoins, fiat, chains and entities, that gets hard fast. Reap keeps it in one place.

Capture

Upload receipts from the mobile app or by email. AI pulls out the vendor, amount and date, so nobody has to chase them.

Approve

Spend policies and multi-level approvals on every card and payment, with an audit trail your governance can stand behind.

Sync

Map Reap to your chart of accounts and sync card spend, payouts and their fees, deposits and withdrawals to Xero. Synced records lock as an audit trail.

Multi-entity

Run your foundation, labs company and operating entities from one platform, at no extra cost.

MCP · API

Or hand it to your agents.

Connect Claude Code, Codex or your own agents through the Business Account MCP, or automate with the Business Account API. Ask "Which payouts are waiting for approval?" or "List last month's charges without a receipt" and get it done in plain English.

Learn about the MCP Explore the Business Account API

> Which payouts are waiting for approval?

Contributor payout — EURPending

Audit firm — USDPending

> List last month's charges without a receipt

Working…

What changes with Reap

Your stablecoins, fully operational

Pay bills straight from your stablecoins.

No off-ramp before every card top-up, invoice or payout.

One platform instead of five.

Cards, payments, receivables and expenses in one place, instead of spread across wallets, exchanges, off-ramps, card providers and banks.

Books that close faster.

Every conversion, fee and transfer across assets and entities is tracked and synced to your accounting software, so month-end takes hours, not a week.

A partner that gets Web3.

We onboard foundations, DAOs and multi-sig setups every day, so you won't have to explain how your company is structured.

Built for Web3

Built for Web3 from day one

Stablecoin-native.

Fund in USDC or USDT on the chain you already use. Your stablecoin balance is your operating account. No bank account needed.

Made for Web3 structures.

Not retrofitted from a fiat-first product. We onboard foundations, protocol entities, DAO-linked structures and distributed teams.

Regulated.

Reap is a regulated fintech, licensed in Hong Kong and Mexico.

Backed by Payward.

Reap is part of Payward, the parent of Kraken.

Who it's for

Built for every kind of on-chain business

Web3 operating companies

Dev shops, venture studios, agencies and crypto service businesses. Cards for team, event and SaaS spend, and payouts for global contractors.

How Reap compares

Manage spend in stablecoins and fiat. Automate it with AI.

One business account for cards, global payments and expenses, with no setup fees and room for your own AI agents.

Reap

Traditional spend platforms

Crypto spending cards

Stablecoins and fiat in one account

USDC, USDT, or fiat. No off-ramp just to pay a bill

Fiat only

Crypto only

AI-native (bring your own agents)

Claude Code, Codex, Grok, Muse & more. Via the Business Account MCP

Free to start

0 setup, top-up, off-ramp, issuance or maintenance fees. No minimum balance required. Pay only when you transact

$10–50K minimum balance or $100–500 subscription fees required

Varies

No bank account or US entity needed

No corporate account or US entity requirements. Onboard in as fast as 24 hours

Bank account required

Corporate cards for teams

Visa credit, virtual and physical. As many as you need, no issuance fees

Usually charge cards

Limited, consumer-first

Pay vendors globally

150+ countries. 40+ corridors via SWIFT and local rails

Expense management

Multi-level approvals. Spend controls and AI receipt capture

Multi-entity management

At no extra cost. Included from day one, no upgrade required

Usually a paid tier

APIs

Cards, balances and transactions. Automate spend in bulk from your own systems

Accounting integrations

Xero. Sync every transaction automatically

Based on publicly available information about representative providers in each category, November 2026. Features and pricing vary by provider.

Open an account Book a demo

How it works

Verify. Fund. Operate.

Verify.

Apply 100% online and onboard in as little as 24 hours. No bank visits.

Fund.

Deposit USDC or USDT on the chain you already use, or fund in fiat.

Operate.

Issue cards, pay vendors and contributors, get paid, and approve and reconcile every expense from one place.

Pricing

Free to start. Pay only when you transact.

No deposit to open, no subscription to stay.

See pricing

Card issuance$0

Card maintenance$0

Top-up$0

Off-ramp$0

Monthly subscription$0

Minimum balance$0

Web3 payment infrastructure

“Reap is a no-brainer for any Web3 company that wants to bridge their onchain treasury into real-world spend without the usual pain of setting up banking.”

Arthur FoxCo-Founder

Token Page

GoodDollar UBI protocol

“Reap is the unified financial platform we were looking for. It lets us manage our entire treasury and operations — payroll, vendors, and everything else — from one place.”

Dorit DvirOperations Lead

Good Labs

Frequently asked questions

No. Fund your account in USDC or USDT and start spending and paying from there. You can fund in fiat too.

USDC and USDT on Ethereum, Polygon, Solana and TRON, plus native USDC on more networks, including Base, Ink and Arbitrum.

No. Pay vendors and contributors in 150+ countries in their local currency, straight from your stablecoin balance.

Yes. Every card charge, payment, fee and deposit sits in one place, with the same controls and reporting whatever the source of funds.

Xero. Map Reap to your chart of accounts and sync card spend, payments, fees, deposits and withdrawals.

Yes. Run multiple entities from one platform at no extra cost.

Yes. We onboard foundations, protocol entities and DAO-linked structures. What we need depends on your structure, and our team will guide you through it.

Virtual and physical Visa credit cards, not prepaid or debit, accepted at 175M+ Visa merchants.

No. Reap is a regulated fintech, licensed in Hong Kong and Mexico.

No issuance, maintenance, top-up or off-ramp fees, no monthly subscription and no minimum balance. You only pay when you transact.

Explore

Put your stablecoin treasury to work.

Cards, payments and expense management for Web3 teams, funded from the chain you already use.

Get started Talk to us

Run your Web3 finance from your stablecoin treasury

Stablecoins in. Fiat out. Every expense in check.

Cards

Bill Pay

Receive Payments

Expense Management

Month-end close, without the multi-asset mess.

Capture

Approve

Sync

Multi-entity

Or hand it to your agents.

Your stablecoins, fully operational

Pay bills straight from your stablecoins.

One platform instead of five.

Books that close faster.

A partner that gets Web3.

Built for Web3 from day one

Stablecoin-native.

Made for Web3 structures.

Regulated.

Backed by Payward.

Built for every kind of on-chain business

Web3 operating companies

Manage spend in stablecoins and fiat. Automate it with AI.

Verify. Fund. Operate.

Verify.

Fund.

Operate.

Free to start. Pay only when you transact.

Frequently asked questions

Related reading

How to Manage Business Expenses with Codex

Introducing the Reap Business Account MCP

Reap Business Account Product Update - September 2026

Put your stablecoin treasury to work.