Issue your own cards. Let your users spend digital assets - anywhere Visa is accepted.

Go live in as little as 3 months.

Reap is your Visa Principal Issuer in Hong Kong and Mexico, card designer — so you don’t need to piece it all together.

One partner. Everything managed. You stay focused on growth.

Trusted by modern businesses

Build your stablecoin-powered card program. Ready for fiat too.

Let your users spend their balance with you - whether digital assets or fiat.

• Issue globally accepted Visa cards denominated in USD or HKD
• Let users spend in digital assets or fiat
• Real-time authorization - to help you deduct a digital asset balance held on your ledger.
• Fund your program in whichever currency suits your business - stablecoins or fiat.

Terms & conditions applied.

Everything you need to launch a card program—already built in.

Launching a card program is complex. We make it effortless.

We’ve built and scaled programs from the ground up, so we know what it really takes—from the first sketch of your card to the first transaction in-market.

You bring the vision. We bring the infrastructure, guidance, and execution to match.

Learn more about What is Cards Issuing and Card-as-a-Service.

Visa Principal Issuing License

Reap is a Visa Principal Issuer in both Hong Kong and Mexico—no need to apply for your own license.

End-to-end management

We take care of card design, production, distribution, risk, and logistics - whatever you need.

Collaborative launch support

We don’t just drop tools in your lap—we work with you to understand what success looks like, and build the roadmap together, and guide your team every step of the way.

Developer-first integration

Robust APIs, sandbox testing, and dedicated technical support for fast, reliable setup.

Scale globally with confidence

Scale with unlimited virtual and physical cards.

• Issue unlimited physical and virtual cards to scale your program with ease.

Accepted everywhere

Visa credit cards - accepted globally.

International logistics

Optimize your shipping speed and cost - depending on where your cardholders are based.

Get to market faster

Launch your card program fast

Most programs launch within 2–3 months post-verification.

Instant card issuance

Issue virtual cards instantly. No physical card required to start spending.

Security and compliance, from day one

Built-in fraud prevention

Visa Risk Manager and Chainalysis integration monitor threats in real time.

Cardholder data protection

Tokenization, encryption, 3DS, and two-factor authentication are part of our standard stack.

PCI DSS compliance made simple

Use our PCI-compliant widget to securely store, transmit, and process sensitive cardholder data on our PCI-compliant infrastructure, without the burden of your own certification.

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Customized to your brand. Tailored to your users.

Your program, your rules

Set card usage rules by time, location, merchant type, and more. Manage authorizations with flexible fund flow logic. Standard vs real-time authorization supported (to help you deduct a digital asset balance held on your ledger).

Design that’s truly yours

Tailor everything—from card designs to UI touchpoints. Match your customer experience down to the last pixel.

Personalized experiences that build loyalty

Empower customers with flexible spend settings, personalized cards, and multi-currency options.

Tailor your program to deliver a personalised experience

Neo-banks

Connect crypto wallets to fiat cards for daily spend.

Web3 Platforms

Enable exchanges/wallets to offer spend cards.

Trusts

Cards as a premium feature for high-value customers with multi-asset treasuries.

Get started in 4 steps

Talk to our team

1. Sign and verify
   Use our sandbox and APIs to test your experience and issue test cards.

2. Test and integrate
   Add a recipient, create your payment, upload your invoice, and we’ll take it from there.

3. Go live and scale
   Issue your first cards, then scale your program globally.

FAQ

1. What currencies can I use for my card program?
   You can choose USD and/or HKD for your card program to be denominated in. Your users can settle in fiat or digital assets. You can also fund the entire card program with us in fiat or stablecoins.

2. Why launch a credit card instead of a debit or prepaid card?
   Credit cards offer better fraud protection, chargeback support, and global acceptance—including at key merchants and MCCs that often block debit or prepaid cards.

3. How long does it take to launch?
   Most clients go live in 2–3 months after KYB. That includes onboarding, integration, testing, and deployment. If your tech team is fast, we’ve also observed cases of launching in 2 weeks.