# 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.
- 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](https://reap.global/blog/what-is-cards-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 work with you to understand what success looks like, 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.
- Visa credit cards - accepted globally.
- 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 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.

### Design that’s truly yours

Tailor everything—from card designs to UI touchpoints.

### 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](https://reap.global/contact-us)

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. Your users can settle in fiat or digital assets.
2. **Why launch a credit card instead of a debit or prepaid card?**  
   Credit cards offer better fraud protection, chargeback support, and global acceptance.
3. **How long does it take to launch?**  
   Most clients go live in 2–3 months after KYB.