UCard Radar
Risk alerts

Card database / Visa / Crypto-collateral credit card

RReap Card / Enterprise Stablecoin Card logo

Reap Card / Enterprise Stablecoin Card

Updated: Aug 3, 2026

The Reap Card is a stablecoin-secured corporate credit card for business customers, issued directly by Reap and connected to the Visa network. Businesses can provide collateral in USDC, USDT, or fiat currency at a 1:1 ratio to obtain a US dollar or Hong Kong dollar credit line and then issue virtual or physical cards to employees. The card is suitable for advertising, software subscriptions, business travel, procurement, and routine team expenses. Monthly bills can be repaid with stablecoins or fiat currency.
Submit usage feedback
Confirmed unavailable on App Store
Card network
Visa
Product type
Crypto-collateral credit card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Business KYC / KYB
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDT / USDC / USD / HKD
Last updated
Aug 3, 2026

Official and company information

Issuer identity and company credentials

Founded in 2018 and headquartered in Hong Kong, China, Reap is a global Web3 payment and modern card issuance infrastructure technology company focused on integrating stablecoins with traditional regulated card payments. As one of the very few stablecoin payment enterprises holding Visa Principal Issuer Licenses in both Asia (Hong Kong) and the Americas (Mexico), Reap provides over 22,000 businesses worldwide with proprietary Reap Card modular corporate credit cards, multi-currency account management, and global cross-border payroll (Reap Pay) digital asset settlement solutions.
Visit website Application page
Company / issuer
Reap / Reap Card
Legal name
Reap Technologies Limited
Registered region
Hong Kong (HK)
Headquarters
OriginalHong Kong
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Reap Card is a secured corporate credit card, not a prepaid card or standard debit card. After completing KYB checks, a business can deposit USDC, USDT, or fiat as collateral, with its credit limit equal to the value of eligible collateral. Administrators can instantly create virtual cards for different employees, projects, suppliers, or subscription services, apply for mailed physical cards, and separately configure daily and monthly limits, permitted usage periods, merchant categories, and regional restrictions. The card supports USD and HKD denominations and uses the Visa network for online, in-person, and ATM transactions. Businesses can choose to repay their monthly bills with stablecoins or fiat. Reap also provides real-time notifications, receipt uploads, approval workflows, and expense management features, making it suitable for businesses with employees across multiple regions or stablecoin funds.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Virtual Reap Card
Physical Reap Card
Card formVirtual cardPhysical card
Fees
Monthly fee
Free
Free
No monthly account fee
Card issuance fee
Free
Free issuance
Free
Free issuance
ATM fee—
2%
Charged based on the withdrawal amount
Foreign exchange fee
2%
Charged on cross-currency transactions
2%
Charged on cross-currency transactions
Top-up fee——
Failed transaction fee——
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit
1,000,000 USD
Base daily limit per card, or equivalent to HKD 7,800,000
1,000,000 USD
Base daily limit per card, or equivalent to HKD 7,800,000
Monthly spending limit——
ATM withdrawal limit—
3,000 USD
Up to 3 ATM withdrawals per day, or equivalent to HKD 25,000; monthly limit US$10,000 or HK$80,000
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

30
Cook IslandsCKBarbadosBBAnguillaAIHong KongHKPolandPLSouth AfricaZABrazilBRMauritiusMUUnited KingdomGBSt. Kitts & NevisKNIndonesiaIDUnited Arab EmiratesAEVanuatuVUOmanOMJerseyJEBermudaBMBelizeBZBahamasBSNigeriaNGMexicoMXPanamaPACayman IslandsKYSri LankaLKIsle of ManIMMarshall IslandsMHBritish Virgin IslandsVGSeychellesSCGibraltarGIUnited StatesUSGuernseyGG
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

7
Myanmar (Burma)MMChinaCNSingaporeSGIranIRMacaoMONorth KoreaKPTaiwanTW
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

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。

Updated: Aug 3, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Hong Kong ID card / Singapore national ID card

Review time / regional limits

Fastest in one day; most businesses approved within three days; complex structures go to manual review.

KYC provider

Identity verification provider not disclosed

Updated

Aug 3, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Supported

Jul 17, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Jul 17, 2026

Online shopping

Online shopping

Supported

Jul 17, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Harri Anttonengoogle_play★ 1 / 5

Reap Global Google Play review - 1 star

After the latest update, the app freezes after opening. Please fix it.
View original
Nazibgoogle_play★ 1 / 5

Reap Global Google Play review - 1 star

This the worst card I ever tried.
View original
Salma Sheligoogle_play★ 5 / 5

Reap Global Google Play review - 5 star

Great
View original
JasonCtrustpilot★ 3 / 5

For the first 12-months of service I…

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.
View original
Andrew Faridanitrustpilot★ 5 / 5

Best decision for our company was to go with REAP

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.
View original
Leila Denisegoogle_play★ 1 / 5

Reap Global Google Play review - 1 star

Its a scam
View original
HPtrustpilot★ 1 / 5

Avoid at all costs

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.
View original
Max Uperiakatrustpilot★ 1 / 5

THIS IS SCAM

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.
View original
Kusina Orochigoogle_play★ 1 / 5

Reap Global Google Play review - 1 star

I us for 2 week and now I can access my account...I call for the support but the number is wrong
View original
John Waynegoogle_play★ 1 / 5

Reap Global Google Play review - 1 star

Dear product team, i cant do anything from my smartphone. After login page just no answer. Xiomi m3 pro. Not the worst phone...
View original

Risk factors

Updated: Aug 3, 2026

No risk factors are available