# **Build and pay without lifting a finger.** Enable safe, controlled agentic payments for your users, anywhere. Reap gives your users' agent buyers programmable, tokenized card credentials, with spend bounded by policy and card data that is never exposed to the model. # Business Account # Corporate Cards # Payments # Expense Management # Treasury Management ## The safe-spend layer agentic payments were waiting for. Agents can shop, but they stall at checkout — the moment one touches a raw card number, whoever handed it over inherits the fraud risk and the PCI burden. Reap is the infrastructure you plug in: as a licensed Visa issuer, we let any agent pay at any merchant, with spend bounded by policy, card data never exposed to the model, and stablecoin & fiat settlement — all via API. ### Licensed infrastructure ### Regulated Visa-network rails across key markets ### Built for autonomous spend ### Credentials and controls built for machines, not people ### Stablecoin-native settlement USDC. No conversion delays, no FX friction ### Issuer status ### Licensed VIC Partner ### Settlement ### USDC-native, no FX ### Authentication ### Passkey - Agentic scopes ### Availability ### Global - 40 markets ## Why Reap ## Why teams choose Reap for agentic payments Other issuers bolt agent support onto legacy card processing. Reap was built on modern infrastructure from day one, then earned the licenses to plug into the regulated rails. That order matters. ### Infrastructure designed for agents, not adapted for them ### Tokenized credentials, programmable spend controls, stablecoin settlement rails. ### Agents that complete, not just recommend From intent to settlement in a single agentic flow. No human handoff. ### Compliance built into the infrastructure KYB, KYC, and network-level authorization at the platform layer. ## Built for the teams shipping agentic payments ### Agent Builders You're building financial/consumer AI agents; you own the agent and need the card + safe-spend layer underneath, without becoming a fintech or issuer. Pain point Agents stop at "recommend", the payment handoff breaks the flow How we help Programmable Visa credentials for agentic AI payments, end-to-end ### Neobanks & Issuers Cards are already your product; add an agentic layer so users can spend through agents with confidence. Pain point Procurement and supplier payments are still manual today How we help Agent-initiated flows within pre-approved spend controls ### Internal · Business Account Already scaling thousands of cards on Reap's API? Point the same primitives inward for agent-driven business spend. Pain point Off-chain payments force a detour into fiat How we help USDC-native settlement means no bridging, no conversion overhead ## The agentic payment feature set, unpacked Safe agentic payments your users can trust. An AI agent spends at almost any checkout, across 40+ markets, a human approves every purchase, and you offer all of it by API without having to become a card issuer. ### Tokenized credentials per agent ### Programmable spend controls ### Scope single-use cards ### Zero PCI Burden ### Passkey authentication ### Commerce Signal Logging Full audit trail per transaction — built in from day one ## One card per purchase. Capped, scoped, single-use Every purchase gets its own scoped card — minted at payment intent, capped to the approved amount, restricted to the merchant, and spent the moment it's used. minted on intent bounded by policy auto-retires ## How a purchase flows — end to end From your agent saying "buy this" to Reap settling on-chain — runs in under four seconds on a cold path. 01 #### Agent initiates intent Your agent decides to buy — compute, SaaS, flights. It calls Reap asking for a credential. 02 #### Reap scopes & issues Scoped by merchant, amount, TTL. A Visa-backed tokenized credential is minted in ~120ms. 03 #### Passkey binds auth The credential is bound to a passkey held by the agent. No OTP, no phone tap, no human. 04 #### Agent transacts Agent presents the credential at checkout. Visa auths, Reap underwrites against Stablecoin collateral. 05 #### Merchant receives funds Merchant gets standard Visa settlement. From their side, it's a normal card transaction. 06 #### Reap settles on-chain Reap nets out your collateral against Visa. You see a Stablecoin debit; no bank, no FX, no three-day gap. ## Agentic Accelerator PROGRAM ## Build it with us. Launch it with us. A handpicked cohort of ~10 teams building agentic payments. Co-design the product and launch with us — and get more than test credit: a stage, distribution, and a path to a live program. What selected partners get #### Up to $10,000 in launch credits to help remove friction on the path to launch #### Weekly consult sessions over ~6 weeks with hands-on support #### Co-marketing spotlight across Reap’s platform #### Increased visibility at Reap's exclusive events at Token2049 and more #### **Direct input** into the product roadmap ## Questions we get often. A fast read on the parts of Agentic Payments that teams usually want to understand before their first call. Still unclear? Ask us directly — we'll route you to the right engineer on the first reply. +01 What is Visa Intelligent Commerce? Visa Intelligent Commerce (VIC) is Visa's global framework for enabling AI agents to transact on behalf of users and businesses. It defines the identity, authentication, and authorization standards that let AI agents make payments autonomously — within rules set by the human user. Reap is a licensed VIC issuer and infrastructure partner. +02 What is agentic commerce? Agentic commerce is the next evolution of how transactions happen — where AI agents, not humans, initiate and complete purchases autonomously. Instead of a person clicking "buy," an agent researches options, selects the best one, authenticates, and pays — all within parameters set by the user. Visa Intelligent Commerce is the network-level standard that makes agentic commerce safe and verifiable at scale. +03 What are agentic payments? Agentic payments are transactions initiated and completed by AI agents on behalf of a user — without requiring manual approval at the point of purchase. The user sets the rules upfront (spend limits, approved merchants, categories), and the agent operates autonomously within those bounds. Visa Intelligent Commerce provides the network-level infrastructure that makes agentic payments secure and verifiable. +04 Is this a new product or something Reap has been building toward? Building toward. Reap's infrastructure has been designed with autonomous operation in mind. VIC is where that becomes an actual product. And this is just the start of Reap's innovation track in the programmable economy. +05 Do users have to approve every transaction? It depends. Users will be able to set their spending limits, MCC through payment instructions. The agent then operates autonomously within those bounds. When a transaction approval is needed, a passkey will be requested from the user and they will need to approve the action by providing the password. +06 Which agent protocols do you support? Trusted Agent Protocol, Machine Payments Protocol (MPP), and Agentic Commerce Protocol (ACP) — via a single integration. +07 How is this different from giving my agent a corporate card? A corporate card has no concept of agent identity, spend scope, or programmable controls. Reap's VIC credentials are bound to specific agents, rules, and merchants, all validated at the network level before every transaction. Using VIC also means you do not have to give our your card details. +08 What's coming next? VIC is the start. Reap's innovation track continues on to programmable treasury, AI-native financial workflows, autonomous cross-border settlement. Talk to our team for more information. ## Agentic Payments by Reap is here. Talk to our team to see how this fits into your agentic stack, and where we're taking it next.