Let your users pay anyone, anywhere.
In stablecoins.

Stablecoin-funded payouts across 45+ corridors, on one integration. Reap handles conversion, routing and payout. You skip building the infrastructure.

Talk to our team See how it works

45+ corridors

For payouts via one API

25+ currencies

Pay out globally via SWIFT

18+ local rails

Faster settlement over SEPA, FPS, SPEI, PIX and more

T+0

Same-day payment initiation

7 funding methods

USDC and USDT across Ethereum, Polygon, Solana and Tron

24/5

Operational support, built in

STABLECOIN FUNDING

Offer stablecoin-powered global payments to your users.

Your users holding USDC or USDT can pay recipients straight into a bank account.
Reap bridges the gap.

7 funding methods
‍

USDC and USDT on Ethereum, Polygon, Solana and Tron, with more chains coming. Users fund on the chain they already hold, and Reap pays out in the recipient's currency.

No conversion
infrastructure to build

No FX relationships to source. No on-ramp or off-ramp plumbing of your own. Reap handles conversion and settlement end to end.

GLOBAL COVERAGE

One integration. 45+ payment corridors.

No banking relationships to manage. No rail-by-rail integrations. One API, global reach.

25+ currencies via SWIFT, globally.

Pay out in USD, EUR, GBP, CNY, HKD, SGD, JPY, AUD, MXN, BRL, INR, PHP, THB, KRW and more.

18+ local rail corridors for faster settlement.

Route over SEPA, FPS, ACH, SPEI, PIX, FAST and other local rails. Reap picks the best path for the destination.

USD SWIFT into Asia.

Pay USD directly into Asian markets, quickly.

*Cross-border payments are subject to local regulations and restrictions, including transaction types, volume limits, payment purpose and required documentation.

SPEED

Stablecoins don't keep banking hours.
Neither do your users' payments.

T+0 payment initiation

Stablecoin funding settles onchain in minutes, and Reap initiates the fiat payout the same day. No correspondent delays or multi-day queues.

Past the banking-hours constraint

Your users fund when they want. Reap moves the money as fast as the destination rail allows, around the clock.

Skip the FX round trip

Users pay local and international fiat straight from their stablecoin treasury, without a traditional FX provider's friction and fees.

PAYMENTS IN CONTROL

Payments you can monitor,
control and rely on.

Know where your money is

Every payment moves through a defined lifecycle (Draft, Awaiting Approval, Awaiting Funds, Under Review, Payout Completed), and every step fires a webhook.

Your approval logic

Lock an FX quote and add your own approval step before Reap processes the payment. If something comes up, Reap flags it by webhook and works it with you. No black box.

MORE THAN PAYMENTS

More than payouts.
The whole money-movement stack.

Send, receive and convert on the same integration, with the same integration and support.

Collections

Receive payments from your users' customers.

On-ramps

Fiat-to-stablecoin conversion.

Off-ramps

Stablecoin-to-fiat withdrawals.

CARD ISSUING

Issuing cards? We have that too.

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

Card Issuing

Issue branded cards to your users.

CHECK IT OUT

Agentic Payments

Enable agentic spending for AI-driven use cases.

CHECK IT OUT

One platform

Same team, same integration you're already using for payments. Build the neobank of your dreams.

USE CASES

Payment flows built on Reap

First corridor or live program, the banking work underneath is the same. Nobody wants to build it twice.

Emerging-market payment service providers Cross-border B2B payment platforms Crypto platforms and neobanks

01 For

Emerging-market payment service providers

You're a PSP or aggregator adding stablecoin-funded payout corridors, especially in Latin America or Asia, without rebuilding your stack. One API extends your local-currency coverage and gives clients faster, more predictable settlement. Reap handles the banking relationships and FX.

01 For

Cross-border B2B payment platforms

You're building the platform businesses use to pay international suppliers and partners. One integration gives every client their own account, balances and payment history. Payments run on real-time FX quotes. Reap routes and pays out, with stablecoins bridging past correspondent banking chains.

01 For

Crypto platforms and neobanks

Your users hold digital assets. Their recipients want money in the bank. Reap converts stablecoins to fiat and pays out in the recipient's currency across 45+ corridors, 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 4 steps

TALK TO OUR TEAM

Talk to our team

We scope your use case: corridors, volumes, funding model and operational requirements.

Set up your account

You receive API credentials and dashboard access. Whitelist your production IPs and optionally configure request signing.

Test and integrate

Build in the sandbox. Simulate the full lifecycle (funding, FX, approvals, webhooks) before going live.

Go live and scale

Create accounts for your end users, fund wallets and start processing. Operational support from day one.

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 payouts

What is Reap API's Payments Module?

Reap API's Payments Module is a payouts API for platforms looking to embed payments. Your users fund in stablecoins or fiat and Reap converts, routes and pays out in the recipient's local currency across 45+ corridors, over SWIFT and local rails. One integration covers FX, compliance screening, rail selection, lifecycle webhooks and ongoing payment operations.

How do payments get funded?

Each of your end users gets dedicated blockchain wallets. Fund by sending USDC or USDT on-chain across seven funding methods on Ethereum, Polygon, Solana and Tron. You can also use internal transfers, fiat deposits, or enable automatic top-up from your balance when a payment needs funding.

What currencies and corridors are supported?

25+ currencies via SWIFT globally and 18+ local rail corridors — 45+ in total. Availability depends on your program configuration. The exchange rate endpoint returns indicative rates before payment creation, and a corridors endpoint shows which source and receiving currency pairs are live on your account.

What payment rails does Reap support?

SWIFT for global coverage, plus local rails for faster settlement where available: FPS (Hong Kong, UK), SEPA (Europe), ACH and CHATS (US, HK), SPEI (Mexico), PIX (Brazil), FAST (Singapore), BECS (Australia), EFT (Canada), BI-FAST (Indonesia), IMPS and NEFT (India), INSTAPAY and PESONET (Philippines), PROMPTPAY (Thailand), KFTC (South Korea), UAEFTS (UAE), and ZENGIN (Japan).

What's the payment processing timeline?

T+0 payment initiation within the UTC+8 banking timezone. Once a payment is funded and passes compliance review, Reap targets same-day processing. Fund crediting depends on the corridor selected.

Are there daily volume limits?

No daily limits on volume. Scale your payments without restrictions.

Can I add an approval step to payments?

Yes. Set the approval flag when creating a payment. It locks in its FX quote and waits in Awaiting Approval until you approve or cancel it via the API.

What happens if a payment fails?

Failed is an interim state, not a dead end. Our team investigates and works with you to resolve it — amending recipient details, providing additional compliance information, or refunding the payment.

Can I test the full flow in sandbox?

Yes. Simulation endpoints let you drive every status transition — account activation, payment statuses, tracking updates and fiat deposits — without processing real transactions.

What support does Reap provide?

Dedicated Slack channels, triage protocols, and an operations team that works payment issues in real time. Information requests, cancellations, amendments, recalls and bouncebacks are handled collaboratively.

What's the difference between Payments and Bill Pay?

Payments is the embedded API for platforms whose users need to pay people: you integrate once and your users make payouts inside your product. Bill Pay is Reap's direct product for businesses paying their own suppliers and bills from a Reap Business Account.

Get Started

Launch global stablecoin payments on Reap

TALK TO OUR TEAM

Let your users pay anyone, anywhere.
In stablecoins.