Reap

Reap is a global financial infrastructure company founded in 2018 in Hong Kong, providing stablecoin-powered payment solutions for enterprises, fintechs, and Web3 businesses. Among the first in Asia to issue Visa corporate cards without being a traditional bank, Reap has grown to serve over 22,000 businesses globally, with 90% of its customer base now comprising Web3 companies.

Core Products/Services

Reap's platform spans four primary offerings:

• Reap Pay: A cross-border B2B payment solution enabling businesses to fund transfers using stablecoins (USDC/USDT via Ethereum, Polygon PoS, Solana, or TRON) while recipients receive fiat in their local currency. Covers 220+ countries and territories with support for 18+ currencies including USD, EUR, GBP, SGD, HKD via SWIFT, SEPA, FPS, and FAST rails.
• Reap Card: Secured corporate Visa credit cards collateralized with fiat or USDC, providing a 1:1 credit line. Available in USD or HKD denominations, repayable in stablecoins or fiat. Used by Web3 companies, startups, and underserved businesses globally.
• Reap Direct: An all-in-one business finance platform combining stablecoin treasury management, corporate card issuance, vendor payments, and expense management. Fund once in stablecoins, spend globally in fiat with no off-ramping friction. Single dashboard for approvals, tracking, and reporting.
• Card Issuing API & Embedded Finance: An API-first card issuing solution and white-label platform enabling fintechs, Web3 exchanges, neobanks, and payment platforms to launch their own branded Visa card programs. Reap acts as the Visa Principal Issuer, handling card design, production, compliance, and settlement.

Key Strengths

Reap is licensed across Hong Kong, Mexico, and Singapore, with strategic partnerships including Circle (USDC), Solana Foundation, and Visa. As a Visa Principal Issuer, Reap handles the full card lifecycle — design, manufacture, distribution, compliance, and processing — for partner programs. Monthly card transactions scaled from 5,000 in January 2022 to 3.5 million by April 2024.

B2B stablecoin payment volumes processed through Reap have grown from under $100 million monthly in early 2023 to over $3 billion by 2025 — a 30x surge — reflecting the company's position at the centre of the institutional stablecoin payments market.

Notable Clients/Projects

Reap's client roster includes Animoca Brands, Trust Wallet, CoinMarketCap, Amber Group, and Redotpay. The company has joined the Global Dollar Network (GDN) to expand regulated dollar payment infrastructure worldwide.

Why Choose Reap

Reap bridges the gap between digital assets and traditional payment infrastructure, enabling Web3 companies and modern enterprises to manage their stablecoin treasuries, issue corporate cards, and execute global B2B payments — all without needing a traditional bank account. Its API-first approach, Visa principal issuer status, and multi-jurisdiction licensing make it a trusted partner for businesses operating at the intersection of crypto and global commerce.