Let your users seamlessly convert stablecoins to fiat.

Your users withdraw funds and Reap converts their stablecoins to local currency in their own verified bank account. We manage the boring stuff - licensing, compliance, transaction screening - so your users can cash out without leaving your platform.

Talk to our team See how it works

INSTANT CONVERSION

Instant conversion to local currency. Paid out to their bank.

Your users don't want to move funds to an exchange just to get money into their bank. Reap handles it in one step.

Quoted before they confirm

Your user sees an FX quote, confirms, and the money is on its way. No surprises on the rate.

Paid out over local rails

Stablecoins are debited, converted to local currency and paid out over the fastest local rail available. A user's USDC becomes MXN and lands via SPEI, near-instantly.

LICENSED

We hold the licensing infrastructure for your local ambitions.

Running a fiat off-ramp in a regulated market takes local licensing, a banking partner and a compliance stack built for that jurisdiction. Reap has built all of it.

No local entity needed

In Mexico, for example, you don't need a local entity or to build the end-to-end compliance infrastructure yourself to offer on-ramp to your users.

KYC run by Reap

Reap verifies your users through its own compliance stack. Your platform doesn't need to build or run it.

Every transaction screened

Reap screens every transaction and manages the banking relationship, so you integrate the API and Reap supports the requirements in each market.

VERIFIED ACCOUNTS

Verified bank accounts only. Security built into the model.

Every withdrawal goes to the user's own verified bank account. No exceptions.

The user's own account

Withdrawals go only to accounts verified as belonging to the user.

No third-party payouts

No manually added bank accounts, and no payouts to anyone else.

MORE THAN OFF-RAMPS

More than off-ramps.
The whole money-movement stack.

Send, receive and convert value the way your platform needs — all on the same integration, with the same operational support. Build the payment flows your product demands, not just the ones a single-purpose API can handle.

Payments

Stablecoin-funded fiat payouts across 45+ corridors.

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Collections

Receive payments from your users' customers.

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On-ramps

Fiat-to-stablecoin conversion.

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CARD ISSUING

Issuing cards? We have that too.

Beyond money movement, Reap offers card issuing and agentic payments – the full stack to power your product roadmap.

Card Issuing

Issue branded cards to your users.

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Agentic Payments

Enable agentic spending for AI-driven use cases.

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One platform

Same team, same integration you're already using for off-ramp.

USE CASES

Off-ramp flows built on Reap

Whether your users are cashing out a card balance or withdrawing from an exchange, the licensing and banking work underneath is immense - and it's the part nobody wants to build twice.

Card issuers enabling cash-out Crypto exchanges and wallets

01 For

Card issuers enabling cash-out

You issue cards on Reap and your users want to withdraw unused balance back to their bank. Their USDC is converted to local currency and paid into their own bank account. No need to move funds to an external exchange first.

01 For

Crypto exchanges and wallets

Your users want to cash out. Instead of building your own fiat payout rail, you use Reap's off-ramp: their stablecoins are converted to local currency and paid out over local rails. Reap runs the compliance and is licensed, so you offer a compliant cash-out experience without building the entire compliance infrastructure yourself.

01 For

Crypto platforms and neobanks

Your users hold digital assets with you, but their recipients want money in a bank account. Reap converts the stablecoins to fiat and pays out in the recipient's currency across 45+ corridors. Stablecoin-to-fiat payouts embedded in your product, with status updates at every step.

01 For

Every new asset is a new build

Ledgering, pricing, settlement logic—again.

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.

HOW IT WORKS

Get started in 3 steps

TALK TO OUR TEAM

Talk to our team

We scope your use case, user base and target markets, and agree the best path forward.

Integrate

Build against the sandbox. The flow is simple: request a quote, show the user the rate, confirm, and Reap pays out.

Go live

Users request withdrawals. Reap converts their stablecoins to local currency and pays out over local rails, with a webhook at every step.

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

FAQ

Questions platforms ask before embedding off-ramp

What is Reap API's Off-ramp product?

Reap API's Off-ramp product lets your users turn stablecoins into local currency and cash out to their bank without leaving your app. The user gets a quote and confirms, and Reap debits their stablecoin balance, converts it and pays out over local rails to their own verified bank account.

How quickly are withdrawals paid out?

Reap pays out over the fastest local rail available. In Mexico, for example, withdrawals go out over SPEI and arrive near-instantly. Every step fires a webhook.

Where can users withdraw to?

Only to bank accounts verified as belonging to them. There are no third-party payouts and no manually added bank accounts.

What's the difference between Off-ramp and Payments?

Off-ramp is for your users cashing out their own stablecoins to their own verified bank account. Payments is for your users paying other people, with payouts to recipients' bank accounts across 45+ corridors, funded in stablecoins or fiat.

Get Started

Launch fiat off-ramps on Reap

TALK TO OUR TEAM

Let your users seamlessly convert stablecoins to fiat.