最近更新：2026/09/15
Reap Card 是面向企业客户的稳定币担保公司信用卡，由 Reap 直接发行并接入 Visa 网络。企业可使用 USDC、USDT 或法币按1:1比例提供抵押，获得美元或港元信用额度，再向员工发行虚拟卡或实体卡。卡片适合广告投放、软件订阅、差旅、采购和团队日常支出，账单可按月使用稳定币或法币偿还。
Reap Card 属于担保型企业信用卡，并非预付卡或普通借记卡。企业完成 KYB 审核后，可转入 USDC、USDT 或法币作为抵押，信用额度等于合资格抵押物价值。管理员可为不同员工、项目、供应商或订阅服务即时创建虚拟卡，也可申请邮寄实体卡，并分别设置每日、每月、使用时段、商户类别及地区限制。卡片支持美元和港元计价，通过 Visa 网络完成线上、线下及 ATM 交易；企业每月可选择使用稳定币或法币偿还账单。Reap 还提供实时通知、收据上传、审批流程及费用管理功能，适合拥有跨地区员工或稳定币资金的企业使用。
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域，左右查看全部卡片；左侧项目保持固定
R Virtual Reap Card | R Physical Reap Card | |
|---|---|---|
| 卡片类型 | 虚拟卡 | 实体卡 |
| 费用 | ||
| 月费 | 免费 | 免费 不收账户月费 |
| 开卡费 | 免费 发行免费 | 免费 发行免费 |
| ATM 取现费 | — | 2% 按取现金额收取 |
| 货币转换费 | 2% 跨币种交易收取 | 2% 跨币种交易收取 |
| 充值费 | — | — |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | — | — |
| 加密货币返现 | — | — |
| 质押奖励 | — | — |
| 质押年利率 | — | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | — | — |
| 限制 | ||
| 每日支出限额 | 1,000,000 USD 每卡基础日上限，或等值港币7,800,000 | 1,000,000 USD 每卡基础日上限，或等值港币7,800,000 |
| 每月支出限额 | — | — |
| ATM 取款限额 | — | 3,000 USD 每日最多三笔取现，或等值港币25,000；每月上限US$10,000或HK$80,000 |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
30条
不支持或受限开户/功能
7条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：大陆注册企业不可直接申请；合资格境外企业可为大陆籍成员发卡，已持卡可在接受 Visa 的商户使用。
2、香港：香港注册企业可以申请，完成企业 KYB 和相关人员 KYC 后，可发行美元或港元虚拟卡及实体卡。
3、澳门：澳门注册企业不可直接申请；合资格境外企业可为澳门成员发卡，已持卡可在接受 Visa 的商户使用。
4、台湾：台湾注册企业不可直接申请；合资格境外企业可为台湾成员发卡，已持卡可在接受 Visa 的商户使用。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
企业 KYC / KYB
居住证明
需要
护照、国民身份证、中国香港身份证、新加坡国民身份证
最快一天完成，多数企业三天内获批，复杂结构会进入人工复核
未披露身份验证服务商
2026/08/03
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
12项
不支持
0项
数据更新时间
2026/08/03
钱包支付
更新时间 2026/08/03
钱包支付
更新时间 2026/08/03
现金服务
更新时间 2026/07/17
AI 工具
更新时间 2026/08/03
AI 工具
更新时间 2026/08/03
钱包支付
更新时间 2026/08/03
AI 工具
更新时间 2026/08/03
线下支付
更新时间 2026/07/17
线上购物
更新时间 2026/07/17
钱包支付
更新时间 2026/08/03
订阅服务
更新时间 2026/08/03
钱包支付
更新时间 2026/08/03
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
After the latest update, the app freezes after opening. Please fix it.
This the worst card I ever tried.
Great
For the first 12-months of service I would given a 5-stars.... we applied and got the account setup. It worked like any other credit card system except it had a very user-friendly dashboard where the stakeholders could create cards for their staff on an ad-hoc basis and set whatever we wanted to. Then around 2024 came round they suddenly reset the credit limit to 0 without notice and we had to settle the credit card bill early before the cards would work again. After that in May 2025 they did the same; just turned the credit card limit without notice. So effectively they have gone from being a credit card company to a debit card company.... The change was poorly handled - they didn't tell us in advance, no forewarning, no communication - just switched all of our cards off.
Managing expenses for a global Web3 eSports team is no easy task, especially with players and staff traveling worldwide for tournaments. Reap Card has completely transformed how we handle team finances. With unlimited virtual cards, customizable spending limits, and seamless integration with Xero, we have full control and visibility over our expenses. Reap makes it effortless to provide secure access to funds while keeping financial management streamlined. It’s a game-changer for any fast-moving business.
Its a scam
These guys are a bunch of cowboys masquerading as a reputable Fintech company. Shady business operations, slow or erroneous payment transfer, very poor customer service. There are a lot of other options out there - do not use this company.
THIS IS SCAM! AVOID AT ALL COSTS! We have opened an account in Reap and have been using it simply by adding funds to the account and paying salaries. We never applied for any credit line, and we never went into overdraft, but we ended with 6000+ USD as a debt with 25% annual interest that grows every day. They don't reply for weeks and, when replying, just request to pay this debt which has never been created. We have all incoming and upcoming transaction history proving this is insane and has no justification. We can't close our account and we have no money to cover this debt. I'm desperate now, and I have no idea how I can get out of this situation. Please avoid this company at all costs if you don't want to end in a similar situation.
I us for 2 week and now I can access my account...I call for the support but the number is wrong
Dear product team, i cant do anything from my smartphone. After login page just no answer. Xiomi m3 pro. Not the worst phone...
更新时间：2026/08/03
暂无风险因素
