TL;DR.Reap Card is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee 2%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 11, 2026.
CARD PROFILE · FULL KYC
Reap Card.
Hong Kong B2B Visa corporate credit card backed 1:1 by stablecoin (USDC/USDT) collateral on Ethereum, Polygon, Solana or TRON — repay your monthly bill in fiat OR stablecoins, with USD or HKD card denomination and unlimited virtual/physical cards.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Free physical & virtual cards, no annual fee
- +Visa corporate credit card — works anywhere Visa is accepted
- +1:1 stablecoin collateral (USDC/USDT) becomes instant credit line
- +USD or HKD-denominated cards available
- +Repay in stablecoins or fiat — your choice every month
- +Multi-chain stablecoin support: Ethereum, Polygon, Solana, TRON
- +Unlimited cards with per-card spend controls and budgets
- +ATM cash withdrawals supported worldwide where Visa is accepted
- +Account activation in under 72 hours; no traditional bank account required
- +Chainalysis-powered risk monitoring; 3D Secure & 2FA
Cons.
- −B2B only — corporate accounts, not for individuals
- −Hong Kong-based fintech (Reap Technologies Limited) — corporate KYC required
- −2% FX fee on non-USD/HKD transactions
- −2% ATM withdrawal fee
- −Late repayment fees may apply
- −No public spending limits — set per card by admin
- −No public Apple Pay / Google Pay confirmation on the marketing page
- −Pricing for high-volume users requires custom proposal
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
—
FX fee
2%
Issuance
Free
Monthly
Free
Cost / $100
$0.00
Card issuance: FREE (physical & virtual). Annual fee: FREE. Monthly repayment in fiat or stablecoins: FREE (late fee may apply). FX: 2%. ATM withdrawal: 2%. Collateral 1:1 — credit limit equals 100% of stablecoin/fiat collateral.
COVERAGE
Where it works.
Supported coins
USDCUSDT
Chains
EthereumPolygonSolanaTRON
Use cases
Online · IRL · ATM
Blocked countries
None
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monevia score
94/100
Verified May 11, 2026
ALTERNATIVES