Let your users convert fiat into stablecoins.

Fiat to stablecoins in seconds with Reap API on-ramp solution. Users deposit local currency from their bank and get stablecoins, while we handle the boring stuff: licensing, KYC and screening. All in one integration.

Talk to our team See how it works

Works with the agents your team already uses

FIAT TO STABLECOINS

Instant conversion to stablecoins.
No fiat balance to manage.

Your users deposit local currency from their bank, and their stablecoin balance goes up. Reap handles everything in between.

Converted on arrival

Reap converts each deposit to stablecoins as soon as it lands. A user sends pesos from their bank, and their USDC balance is credited, usually within seconds.

No interim fiat balance

There's no fiat balance in between for your platform or your users to hold or track.

LICENSED

We hold the licensing infrastructure
for your local ambitions.

Running a fiat on-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.

DEDICATED ACCOUNTS

A unique account number per user.
Deposits reconcile themselves.

Each of your users gets their own dedicated account number, so every deposit lands with the right user.

Local account numbers

A CLABE in Mexico, or a virtual IBAN in other markets. Users pay in from their own bank as they normally would.

Attributed automatically

Funds sent to a user's account are credited to that user. No misattributed deposits.

MORE THAN ON-RAMP

More than on-ramp.
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.

Payments

Stablecoin-funded fiat payouts across 45+ corridors.

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Collections

Receive payments from your users' customers.

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Off-ramps

Stablecoin-to-fiat withdrawals.

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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 on-ramp.

USE CASES

On-ramp flows built on Reap

Whether your users are topping up a card or paying cross-border, the licensing and banking work underneath is immense - and it's the part nobody wants to build twice.

Neobanks issuing cards Crypto exchanges and wallets

01 For

Neobanks issuing cards

You already issue cards to individual users. Today, your users in Mexico fund their card balance with crypto deposits. With on-ramp, they top up straight from their Mexican bank account over SPEI: pesos in, USDC credited, card ready to use. Your card becomes far more usable for people who keep most of their money in a local bank.

01 For

Crypto exchanges and wallets

Your users in Mexico want to buy USDC with pesos. Each user gets their own CLABE, deposits from their bank, and their USDC balance is credited on your platform. Reap runs the KYC and is licensed, so you offer a compliant fiat-to-stablecoin conversion without building the entire compliance infrastructure yourself.

01 For

HOW IT WORKS

Get started in 4 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. Create accounts for your users and provision their funding addresses.

Reap runs KYC

Each user goes through Reap's identity verification. Your platform doesn't need to handle it.

Go live

Users deposit local currency from their bank. Reap converts it and credits their stablecoin balance, 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 on-ramp

What is Reap API's On-ramp product?

Reap API's On-ramp product lets your users turn local currency into stablecoins without leaving your app. Each user gets a dedicated account number, deposits from their own bank, and Reap converts the funds and credits their stablecoin balance, usually within seconds.

How quickly are deposits converted?

Reap converts each deposit as soon as it arrives, and the user's stablecoin balance is usually credited within seconds. Every conversion fires a webhook.

How are deposits matched to the right user?

Each user has their own dedicated account number, such as a CLABE in Mexico or a virtual IBAN in other markets. Funds sent to that account are credited to that user automatically.

What's the difference between On-ramp and Collections?

On-ramp is for your users depositing their own local currency from their bank and receiving stablecoins. Collections is for your users receiving money from their own clients, matched to invoices and credited in their chosen currency.

Which currencies and markets are supported?

Mexico today: users deposit pesos (MXN) over SPEI and receive USDC. More markets and stablecoins are on the roadmap. Talk to our team about your corridors.

Get Started

Launch fiat on-ramps on Reap

TALK TO OUR TEAM

Let your users convert fiat into stablecoins.