APIs for cards, payments, and compliance — and whatever you add next. Launch branded financial products on Reap's infrastructure, stablecoin-native from day one. One composable integration. Start with one module and add the rest anytime without re-integrating.

Talk to our team See how it works

1st

Crypto credit card issuer in the world

~100%

Dispute win rate

Visa Principal Issuer

Hong Kong & Mexico · Visa Intelligent Commerce partner in Asia

$175M+

Merchants worldwide accepting Reap-issued cards

2M+

Cards issued, across 100+ markets

8+ years

In card issuing, since 2018

TRUSTED BY

WHAT EMBEDDED FINANCE IS

Embedded Finance is one platform to launch financial products

Embedded Finance is the platform layer that lets you build and ship financial products—cards, payments, and compliance—without assembling every component yourself.

It combines the regulated infrastructure behind the scenes with a single API integration your team can build on.
‍
For stablecoin-native businesses, it also bridges stablecoin treasury to Visa rails in a compliant, scalable way—so you can start with one module and add others later on the same shared layer.

How it works

One API integration, composable by design

One onboarding, one compliance layer, one ledger, with every module plugged into it.
That's what makes your second product a switch to flip, no re-integration needed.

Read the API docs

Talk to our team

We align on your business goals: Target markets, use case, end-user profile, funding model, and more.

Go live and scale

Issue your first cards, or make your first payment, then scale. Add modules when you're ready, no re-integration.

Test and integrate

Build against our sandbox and APIs. Configure spend controls, dispute processes, and card logistics. Test end to end before launch.

Sign and verify

Your business completes KYB and provides documentation. Reap runs compliance checks and finalizes approvals.

What you do vs. what Reap does

You	Reap
Choose assets and pricing	Authorises spend against available balance
Maintain user balances (deposits/withdrawals/repayments)	Clears, reverses, and settles transactions
Fund the master collateral account	Holds the master collateral account
Keep custody and the user relationship	Polls your pricing feed for dynamic-rate assets
	Applies your balance updates atomically

MODULES

Four modules, one shared layer

Card Issuing

Issue your branded crypto cards — issuance, processing, PCI scope, card production and logistics, fraud management, distribution, rewards, and more.

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Agentic Payments

Issue cards that AI agents can use to complete purchases at any merchant, spend bounded by policy, no card data exposed to the model.

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Sentry

A fully managed card fraud detection, monitoring, and loss-management function – configured and operated by risk specialists.

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Payments

All money movement — payments, collections, virtual accounts, and more.

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Why Reap

Launch on one platform. Modular by design.

One single API — with every module plugged into it. Interoperable by default if you want to add more; composable by choice if you only need one.

Add your next product without a new integration or onboarding

Already issuing cards with us and want to expand to payment products? Every module is built to talk to every other module. Simply scope it, price it, and go.

Not just infrastructure but your growth partner

As the first crypto credit card issuer in the world, we’ve scaled crypto card programs for 8+ years - so we know what converts, sustains margins, and manages fraud.

Get to market faster, once you scope it with us

As a Visa Principal Issuer, Reap takes you from setup to launch: From issuing, logistics, compliance, fraud, and ops, to clear controls plus sandbox testing.

Built for products that go the distance

Compliance, risk management, and security sit under every layer of the platform. Reap holds the card number end to end so it never reaches your systems, and is PCI certified.

Backed by Payward, built for what's next

Reap is part of Payward, the parent company behind Kraken. Your card program runs on the same global liquidity, custody, and settlement layer, with licensing across regions to unlock new corridors as they come online.

WHO BUILDS ON THIS

Different businesses, the same
modular platform underneath

Neobanks and digital wallets Crypto exchanges and trading platforms Cross-border payment platforms AI and agentic commerce platforms

01 For

Neobanks and digital wallets

Start with a branded card, funded by user balances or your treasury. As you grow, add Payments and Compliance on the same integration, no rebuild needed.

01 For

Crypto exchanges and trading platforms

Give users a way to spend crypto or stablecoin balances directly, without a separate off-ramp step. Reap sits on the same liquidity, custody, and settlement layer as Payward's other platforms, so spend, settlement, and treasury stay connected end to end.

01 For

Cross-border payment platforms

Use Payments to move money across markets, be it collections, payouts, and virtual accounts, with KYC/KYB handled through our compliance layer. If you want to add cards later, you can, without re-integration.

01 For

AI and agentic commerce platforms

Issue cards AI agents can use at any merchant, policy‑bounded spend, no card data exposed, and no need to become a card issuer. Built with Visa Intelligent Commerce in Asia.

01 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.

FAQ

Questions we get often.

+01

What's the difference between Embedded Finance and Card Issuing?

Embedded Finance is the platform. Card Issuing is the card product on it, alongside Payments and Compliance. Most clients start with Card Issuing.

+02

Do I have to take the whole platform?

No. Take the module you need. The others are already on the other side of the same integration when you want them. If you're building a neobank, you can start with issuing cards and add the Payments module later.

+03

Who's responsible for compliance?

You are, and that doesn't change with configuration. Our compliance layer — KYC and KYB — supports your obligations; it doesn't replace them. AML and CTF responsibility stays with you in every model. What varies by configuration is the operational work we take on, and we'll map that with you in discovery.

+04

Do I need a risk or fraud team?

No. Reap Sentry is a managed risk function — our tools, data, and specialists can be tuned to your card program, live from your first transaction. It reduces your losses; it doesn't insure them, and fraud losses remain the client's.

+05

How fast can I go live?

Timelines depend on configuration and licensing track — we'll give you a real date in scoping.

+06

Who handles customer support and disputes for my end users?

Card-domain expertise sits behind your first line. We run dispute and chargeback submission. You keep the cardholder relationship — Reap never interfaces with your end users directly.

Get Started

One integration. Every product after your first launches in a fraction of the time.

Talk to our team Read the API docs

Grow yourbusiness on our stablecoin-native infrastructure

Embedded Finance is one platform to launch financial products

One API integration, composable by design

Talk to our team

Go live and scale

Test and integrate

Sign and verify

What you do vs. what Reap does

Four modules, one shared layer

Card Issuing

Agentic Payments

Sentry

Payments

Launch on one platform. Modular by design.

Different businesses, the samemodular platform underneath

Neobanks and digital wallets

Crypto exchanges and trading platforms

Cross-border payment platforms

AI and agentic commerce platforms

Web3-native teams

Questions we get often.

One integration. Every product after your first launches in a fraction of the time.

Grow your
business on our
stablecoin-native infrastructure

Different businesses, the same
modular platform underneath