Headquartered with its roots in Hong Kong, fintech and payments firm Reap has successfully expanded its footprint across the globe in just seven years – with a presence in Singapore, Mexico and Brazil – providing stablecoin-enabled infrastructure for modern businesses to facilitate borderless finance.
Reap provides stablecoin-enabled corporate cards, payout solutions and expense management tools for businesses of all sizes. With its APIs, Reap also enables businesses to embed finance into their own products and services – from issuing Visa cards to facilitating cross-border payments.
For its corporate card solution, Reap Card, they took home the award for ‘Best Corporate Card – Digital Fiat and Currencies’ at the Global Cards & Payments Innovation Awards 2025, hosted by The Digital Banker.
Bridging the gap between Web2 and Web3
2B payments are one of the largest real-world applications globally. Monthly (B2B) stablecoin payments volumes have surged from under $100 million in early 2023 to over $3 billion by 2025, representing a 30-fold increase in just two years (June 2025, Artemis Research). Industry data from Artemis research shows that Reap moves more than 10% of the global card-linked stablecoin market (Artemis Research).
Reap’s solution stands out because it enables clients to fund their credit lines and payments directly with stablecoins. As a B2B web3 business account, their solution Reap Direct offers a single, unified platform for stablecoin enabled corporate cards (Reap Card), payments, and expense management Reap Direct enables businesses of any size to create corporate credit cards, send cross-border payments, and leverage a suite of expense management tools. As a white-label solution with flexible APIs, clients can launch branded card programmes with rapid go-to-market, providing them with a significant competitive advantage and accelerated revenue generation. With both stablecoin and fiat funding, it offers an end-to-end suite for spending, payments, and expense control, all optimized for crypto-native operations. Reap Direct also provides companies with the infrastructure to manage capital across borders with the speed and transparency web3 companies need to grow.
Looking ahead
In keeping with the evolving payments landscape, Reap has major plans to grow as it looks towards 2026 and beyond.
With stablecoin adoption rapidly increasing – not just among crypto-native companies, but also with traditional players – Reap has positioned itself as a frontrunner as stablecoins become more mainstream. Reap has also created an open, API-driven ecosystem, Reap Connect, empowering global onboarding, embedded finance, instant payouts and full programmability across cards, fiat and crypto. This is an API-first, stablecoin-native platform that powers global fiat payments for multi-entity ecosystems (e.g. platforms with their own end clients). Reap Connect serves as a unified platform, with payment creation and management available via API & dashboard, with round-the-clock global customer support and robust payment operations. This plug-and-play API offering empowers clients to establish their own financial platforms, providing optimal payment rails tailored to diverse requirements.
It is also supporting third-party developers and partners to create their own innovative, programmable payment solutions—from real-time payroll to on-chain FX and embedded merchant services.
Reap also plans to continue to pursue global payments licensing and strong compliance standards, to unlock seamless, regulated access to both fiat and stablecoins, deepening trust and extending its reach into new markets.
