Card Issuance & Payments

Issue cards and move money globally, without the license.

Reap holds Visa Principal Issuing status and settles stablecoin-to-fiat payouts across 220+ countries and territories. Fund and authorize spend in real time against fiat or stablecoin balances, on Reap’s own ledger.
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Move money without correspondent banking delays
Your business pays suppliers, contractors, or partners globally; Reap converts stablecoins to fiat and settles across 220+ countries and territories over SWIFT, SEPA, FPS, and FAST.
Prepare for agentic commerce
Your AI agents need to transact independently; Reap is building Visa Intelligent Commerce, bringing programmable credentials and stablecoin settlement to autonomous payments.
Issue branded cards without a banking license
Your users spend digital assets or fiat on a Visa card carrying your brand; Reap holds the license and handles design, production, and compliance.
Fund and spend across fiat and stablecoins
Fund your program in fiat or stablecoins; Reap authorizes spend in real time against either balance.

Key capabilities

Multi-market licensing
Hong Kong, Singapore, and Mexico approvals are already in place, so you don’t apply for your own.
Stablecoin and fiat funding
Fund and settle programs in stablecoins or fiat, authorized in real time against either balance.
Multi-rail payouts
Stablecoin-funded payouts settle into local fiat across 220+ countries and 18+ currencies, over SWIFT, SEPA, FPS, and FAST.
Real-time authorization
Card swipes are approved or declined synchronously against a balance on Reap’s own ledger.
Compliance and fraud built in
PCI DSS compliance, tokenization, and real-time fraud monitoring, built into the infrastructure.
Agentic payments (upcoming)
Visa Intelligent Commerce in development, bringing programmable credentials and stablecoin settlement to AI agents.

Learn more

Reap issues Visa cards, automates stablecoin-to-fiat payouts, and powers agentic commerce, with full documentation and sandbox access for every product.

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Exactly what we needed to launch crypto fast: Proven infrastructure, streamlined onboarding and a fully compliant in-app crypto experience.

Tom Bilske

Head of New Products, bunq

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Frequently asked questions

No. Reap holds Visa Principal Issuing status and the license, so your users can spend digital assets or fiat on a Visa card carrying your brand. Reap also handles design, production and compliance, and approvals in Hong Kong, Singapore and Mexico are already in place.

Your business funds payouts in stablecoins, and Reap converts them to fiat and settles to recipients in 220+ countries and territories. Payouts settle into local fiat across 18+ currencies over SWIFT, SEPA, FPS and FAST. For buying and selling crypto, see On/off-ramps.

Yes. You can fund and settle your program in either fiat or stablecoins. Reap authorizes spend in real time against either balance, on Reap's own ledger.

Card swipes are approved or declined synchronously against a balance on Reap's own ledger. PCI DSS compliance, tokenization and real-time fraud monitoring are built into the infrastructure.

Reap is building Visa Intelligent Commerce, which brings programmable credentials and stablecoin settlement to autonomous payments.

Get in touch

Ready to add card issuance or stablecoin payments to your platform?

Talk to our team.

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