Any digital asset.
‍One card.

Make crypto, points, credits, and yield-bearing tokens spendable on a single card. Define the asset, set pricing, and let users pay without rebuilding your treasury.

Talk to our team See how it works

WHY THIS IS HARD TO BUILD ALONE

Multi-asset spend shouldn’t
mean multi-rail plumbing

Supporting many assets usually means separate treasury flows per asset—or forcing pre-conversion to stablecoins. Either way, every new asset becomes more build.

One spend rail for any asset

Pre-conversion kills the tap-to-pay moment Rewards don’t flow to spend.Yield positions aren’t spendable Every new asset is a new build

The problem

Pre-conversion kills the tap-to-pay moment

Swap first, then spend—more steps and fees.

The Reap solution

Spend natively; convert at point of sale.
Fixed rate or live feed.

How we help

Programmable Visa credentials for agentic AI payments, end-to-end

The problem

Rewards don’t flow to spend.

Points/cashback need portals or manual redemption.

The Reap solution

Make rewards and credits spendable instantly.
Define as assets; allocate balances.

How we help

Agent-initiated flows within pre-approved spend controls

The problem

Yield positions aren’t spendable

Unstake/unwrap to pay, or keep earning.

The Reap solution

Support yield assets without unwinding.
Price via NAV/share-price feeds.

How we help

USDC-native settlement means no bridging, no conversion overhead

The problem

Every new asset is a new build

Ledgering, pricing, settlement logic—again.

The Reap solution

Scale on one integration. One API +
one USDC/USDT collateral account.

How we help

USDC-native settlement means no bridging, no conversion overhead

The problem

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.

Pain point

Support yield assets without unwinding.
Price via NAV/share-price feeds.

How we help

USDC-native settlement means no bridging, no conversion overhead

HOW IT WORKS

Define it.
Allocate it.
Let users spend it.

Read the API docs

Define assets

Name, symbol, and pricing method. Use fixed rates for stablecoins/credits; use a price feed for volatile or yield assets (polled automatically).

Allocate balances

You send balance updates when users deposit, earn, or receive credits. Multiple assets live on one account and roll into one spend limit.

Users spend

Card tap → balance check → conversion → authorisation. Settlement runs from the master collateral account.

Settle and sync

After clearing, you update the balance to reflect spend—keeping your platform and the card in sync.

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

WHY REAP

One integration for every asset you want to make spendable

Any asset,
one collateral account

Crypto, stablecoins, yield assets, or custom units (points, cashback, credit lines, allowances). Define the unit, set pricing, and back everything from one USDC/USDT master account.

No user-side conversion
‍

Users pay in the denomination they hold. Conversion happens at point of sale using your fixed rate or live feed.

You keep custody and the relationship

Reap doesn’t custody underlying assets. You keep control; Reap turns balances into card transactions.

Multiple assets,
one spend limit

All assets contribute to one available balance—no more fragmentation.

WHAT YOU CAN BUILD

Crypto exchanges and wallets

Mirror token balances and let users spend BTC/ETH/USDC at your market rate with no swap step.

Cashback, loyalty, and rewards

Define points/cashback as an asset (e.g. 1 point = $0.01). Allocate when earned; spend anywhere cards are accepted.

Yield-bearing and staked assets

Spend LSTs/LRTs/vault shares without unstaking. Price via NAV/share-price feeds.

Credit lines and overdrafts

Allocate an approved credit asset; users draw down on card spend while you manage underwriting and repayment.

Salary stipends and allowances

Allocate monthly allowances for employees. Spend on card; reclaim or roll over unused amounts.

Multi-asset programs

Combine crypto + rewards + allowances + credit on one account and one card.

MODULES

Virtual Assets plugs into
your full card stack

Card Issuing

Virtual Assets defines what’s spendable; Card Issuing is where it lands.

CHECK IT OUT

Reap Rewards

Run points/cashback and spend them on the same card.

CHECK IT OUT

Embedded Finance

Works alongside the rest of Reap’s platform.

CHECK IT OUT

FAQ

Questions we get often.

+01

What assets can I define?

Any unit of value: stablecoins, tokens, yield assets, points, cashback, bonuses, credit lines, allowances.

+02

Do users need to convert before spending?

No. Conversion happens at point of sale using your fixed rate or live feed.

+03

Can I run multiple asset types on one card?

Yes. One account can hold many asset balances; they roll into one available balance.

+04

Does Reap custody user funds?

No. You keep custody. The USDC/USDT master collateral account is yours.

+05

Does Reap run exchange?

No. You provide rates; Reap uses them for authorisation and settlement.

+06

Can I offer cashback or loyalty points?

Yes. Define them as assets, allocate balances, and they’re spendable like any other.

+07

Can I offer credit lines or allowances?

Yes. Allocate the asset amount; users spend on card while you manage reconciliation.

+08

What about yield-bearing tokens?

Supported. Use a NAV/share-price feed so users keep earning until they spend.

+09

What's coming next?