REAP

REAP is transforming how global businesses manage financial operations by offering a borderless, programmable, and stablecoin-native infrastructure. Founded in 2018 and headquartered in Hong Kong, REAP started with a mission to eliminate the frictions caused by legacy financial systems—especially for crypto-native and emerging market businesses. Today, REAP operates across eight global markets and supports everything from international payments to digital asset-backed credit cards.

At the heart of REAP’s infrastructure are two key offerings: corporate card issuance and stablecoin-enabled cross-border payments. Businesses can issue USD or HKD Visa cards backed by stablecoin collateral—providing financial flexibility without compromising security. Through REAP’s APIs, companies can launch branded card programs or enable users to spend digital assets instantly, including both physical and virtual cards.

REAP’s payments solution allows businesses to fund international transactions with stablecoins and settle in fiat currencies across borders. Whether it’s paying vendors, managing payroll, or enabling customer payouts, REAP connects on-chain assets with off-chain settlement rails through a unified interface. Their payment APIs support automated payouts from on-chain treasuries, streamlining treasury operations across currencies and jurisdictions.

Security and compliance are embedded into every layer of REAP’s infrastructure. The platform is licensed in Hong Kong and Mexico, PCI DSS compliant, and integrated with tools like Chainalysis for real-time risk monitoring. Regulatory adherence is prioritized through built-in KYC, KYB, and fraud detection protocols—making REAP a reliable option for institutions.

The REAP ecosystem supports multiple verticals, including crypto exchanges, wallet providers, neobanks, import/export businesses, and service providers serving Web3 clients. For developers, the REAP API platform provides robust documentation and sandbox environments to build and test integrated solutions. The infrastructure is flexible enough to support card issuance, programmatic payments, and embedded financial experiences tailored to specific markets and business models.

Under the leadership of founders Daren Guok and Kevin Kang, REAP has raised over $40M and gained recognition from Forbes Asia, Cointelegraph, and fintech leaders across APAC. As a key player in digital asset integration, REAP stands apart from traditional financial service platforms like Stripe, Ramp, Circle, and Revolut by offering crypto-native, regulatory-compliant financial solutions that are enterprise-ready.

REAP offers several benefits and features that redefine global financial operations for digital-first businesses:

• Stablecoin-Powered Infrastructure: Enable seamless, cross-border transactions with USDC and other stablecoins, combined with fiat settlement capabilities.
• Digital Asset-Backed Corporate Cards: Issue USD or HKD Visa cards backed by stablecoins—control spending, manage teams, and settle flexibly.
• Custom Card Issuance: Use APIs to launch fully branded card programs, supporting both physical and virtual cards.
• Cross-Border Payments API: Automate global payouts from on-chain treasuries directly to fiat bank accounts, with fast and cost-efficient settlement.
• Enterprise Security: PCI-compliant, real-time fraud detection via Chainalysis, and regulated across multiple jurisdictions for institutional-grade compliance.
• Developer-Ready API Suite: Full sandbox environment, detailed documentation, and support to integrate REAP’s payment stack quickly and efficiently.
• Multi-Industry Use Cases: Designed for fintechs, exchanges, import/export businesses, and Web3-native companies scaling globally.

REAP makes it simple to start building your stablecoin-enabled financial infrastructure:

• Visit the Official Website: Head to reap.co to explore product offerings and platform capabilities.
• Create an Account: Sign up for a REAP account to access the dashboard and manage cards, payments, or embedded finance features.
• Access the Developer Docs: Review the API documentation, including quick start guides, sandbox setup, and testing instructions.
• Generate Sandbox API Key: From your dashboard, create a sandbox key to begin testing REAP’s card issuing or payment APIs.
• Choose an Authorization Model: Select between Standard or Real-Time Authorization depending on your use case and compliance needs.
• Deploy Your Use Case: Whether it’s issuing cards, building payout infrastructure, or enabling embedded finance, REAP’s modular API stack can be configured for your business model.
• Connect with REAP’s Team: Reach out via the website to get production access, receive compliance support, or discuss enterprise integrations.