# Reap

> Borderless finance, stablecoin enabled

Reap is a stablecoin-native payments infrastructure company. It provides corporate cards, cross-border payments, and card issuing tools for stablecoin-enabled and Web3 businesses.

Reap is a stablecoin-native payments infrastructure company that provides corporate card issuing, cross-border payment, and treasury management services. It connects traditional card networks and banking rails with stablecoin settlement through a single set of developer tools, allowing businesses to fund spending and payouts directly from digital asset holdings. Its offerings are aimed at digitally native companies, including crypto exchanges, neobanks, and fintechs, that need to move money globally without relying solely on conventional banking relationships.

The platform addresses the friction businesses face when bridging fiat and digital asset systems for everyday operations such as employee spending and supplier payments. Corporate cards draw on stablecoin collateral, cross-border payments let senders pay in stablecoins while recipients receive local fiat currency, and card issuing tools let partners launch their own branded card programs. Reap operates as a licensed and regulated entity in multiple jurisdictions and holds Visa principal issuing status in some of them.

Core offerings span Reap Direct for business accounts, corporate cards, expense management, card issuing, and a payment API, along with tools supporting agentic payments for automated transactions. The company is used by crypto-native businesses, neobanks, and traditional companies seeking stablecoin-based settlement and multi-currency treasury operations. Reap has become part of a larger unified financial infrastructure platform following an acquisition, continuing to operate under its own brand and leadership.

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

## Products

- [Reap Corporate Card](https://thegrid.id/profiles/reap): Reap Corporate Card is a Visa corporate credit card secured by stablecoin collateral, letting businesses access spending credit without a traditional bank account or credit history. Companies fund the card program using stablecoin balances, which back virtual and physical cards issued to employees. Spend limits and approval workflows can be set per cardholder, with the card usable at Visa merchants worldwide. (Card, Live)
- [Reap Pay](https://thegrid.id/profiles/reap): Reap Pay is a cross-border payments product that converts stablecoin balances into local fiat payouts sent to recipients globally. Businesses fund payments using stablecoin deposits, and Reap Pay handles conversion and settlement to recipients across multiple fiat currencies and countries without requiring traditional banking relationships. It is used to pay suppliers, contractors, and other counterparties directly from a stablecoin treasury. (Peer to Peer & Remittance, Live)
- [Reap Direct](https://thegrid.id/profiles/reap): Reap Direct is a stablecoin-native business account platform that combines a treasury, corporate cards, cross-border payments, and expense management into a single account for stablecoin-enabled businesses. It lets companies hold a stablecoin balance to fund Visa corporate cards, send supplier and payroll payments converted to local fiat, and track spend through approval workflows and accounting integrations. The platform is designed for web3 companies, DAOs, and other stablecoin-native organizations rather than adapted from a traditional fiat-first banking product. (Neobank, Live, Main Product)
- [Reap Embedded Finance ](https://thegrid.id/profiles/reap): Reap Embedded Finance is an API platform that lets other businesses integrate card issuing and stablecoin-to-fiat payment processing into their own products. It provides a card issuing program allowing partners to design and launch their own Visa cards under Reap's issuing licenses, alongside a payment API that automates bulk stablecoin-to-fiat payouts. Developers access these capabilities through APIs, sandboxes, and documentation rather than a consumer-facing interface. (Payments Infrastructure & Orchestration, Live)
- [Agentic Payments](https://thegrid.id/profiles/reap): Agentic Payments is a payments infrastructure product that enables AI agents to transact on behalf of individuals and businesses using tokenized payment credentials. It is built on the Visa Intelligent Commerce standard, combining programmable spend controls, passkey-based authentication, and stablecoin-native settlement so agents can complete purchases without manual fiat conversion. The product targets agentic commerce use cases across multiple markets, with some capabilities live and others still being rolled out. (Payments Infrastructure & Orchestration, Early access)

## 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)

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- [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
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