Stablecoin-to-Fiat Conversion & Cross-Border Rails

Reap provides B2B stablecoin-to-fiat conversion infrastructure, enabling businesses to fund global payments using USDC or USDT and have recipients receive fiat directly into their bank accounts — no separate off-ramping required.

Core Conversion Capabilities

Reap Pay accepts USDC/USDT from Ethereum, Polygon PoS, Solana, and TRON networks and converts them to fiat at the point of payment, delivering funds via SWIFT, SEPA, FPS, and FAST rails across 220+ countries and territories. Supported output currencies include USD, EUR, GBP, SGD, HKD, CNY, and 14+ additional local currencies with same-day settlement for payments initiated within UTC+8 banking hours.

API-Driven Bulk Conversion

Through the Reap Payment API (Reap Connect), businesses can automate bulk stablecoin-to-fiat conversions programmatically for same-day execution. The API supports multi-chain stablecoin inputs and delivers fiat via regional payment rails — enabling treasury teams to schedule and execute large-scale disbursements without manual intervention.

Integrated in Finance Platform

Reap Direct embeds the same stablecoin-to-fiat workflow into its all-in-one business finance platform. Businesses fund once in USDC/USDT and then route those funds to vendors, cards, and payroll in fiat — eliminating repeated off-ramping while maintaining full treasury control.