# Reap

> The future of financial connectivity and access

Reap helps businesses access financial services by providing stablecoin-enabled corporate cards and cross-border payment solutions without traditional banking requirements.

Reap helps digital-led businesses manage payments by providing stablecoin-enabled financial infrastructure. With it, businesses can access corporate credit cards without bank accounts, make cross-border payments using stablecoins, and manage expenses globally. Reap serves Web3 companies and traditional businesses seeking efficient payment solutions.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2018-06-01
- Profile: https://thegrid.id/profiles/reap

## Products

- [Reap Corporate Card](https://thegrid.id/profiles/reap): Reap Corporate Card provides Visa corporate credit cards secured by stablecoin collateral, enabling businesses to access credit without traditional bank accounts or credit history requirements. The system accepts USDC and USDT as collateral while offering global spending capabilities. (Card, Live)
- [Reap Pay](https://thegrid.id/profiles/reap): Reap Pay facilitates cross-border payments by accepting stablecoin deposits and converting them to local fiat payments globally. The system supports USDC and USDT for funding and enables transfers to multiple countries without traditional banking infrastructure. (Peer to Peer & Remittance, Live)
- [Reap Direct](https://thegrid.id/profiles/reap): Reap Direct is a stablecoin-native business financial platform providing corporate accounts, Visa corporate cards, cross-border payments, and multi-currency expense management for Web3 companies, DAOs, and stablecoin-enabled businesses.  (Neobank, Live, Main Product)
- [Reap Embedded Finance ](https://thegrid.id/profiles/reap): Reap Embedded Finance platform provides comprehensive API infrastructure enabling businesses to integrate card issuing, payment processing, and stablecoin financial services directly into their applications through white-label solutions and developer tools. (Payments Infrastructure & Orchestration, Live)

## Links

- [Main](https://www.reap.co)
- [Documentation](https://reap.readme.io/docs)
- [Blog](http://reap.co/resources/company/newsroom)
- [Terms of Service](https://reap.global/resources/info/terms-of-use)
- [Privacy policy](https://reap.global/resources/info/privacy-policy)
- [LinkedIn](https://linkedin.com/company/reapglobal)
- [Twitter / X](https://x.com/ReapGlobal)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP