Reap

Reap provides agentic payment infrastructure through tokenized, programmable Visa card credentials. As a licensed Visa issuer and Visa Intelligent Commerce partner, it can mint a scoped card for each approved purchase. The credential is restricted by amount, merchant, and time, while raw card data stays outside the model.

Key Features

• Single-Use Credentials: One card is created for one purchase at payment intent.
• Precise Restrictions: Each credential is capped to an approved amount, merchant-locked, and time-limited.
• Fast Issuance: Credentials are minted in approximately 120 milliseconds.
• Tokenized Security: Agents never receive raw card details, removing direct PCI handling.
• Passkey Authentication: Passkey-bound authorization avoids OTP-based workflows.
• Stablecoin Settlement: USDC-native settlement reduces foreign-exchange friction across 40+ markets.

Use Cases

Who Should Use This Tool?

• Commerce Agents completing browser or API checkout.
• Global Platforms operating payments across many markets.
• Security Teams requiring transaction-specific credentials and audit trails.

Problems It Solves

1. Reusable-card exposure: Every purchase gets a scoped, disposable credential.
2. Model access to payment data: Tokenization keeps card details outside agent context.
3. Cross-border settlement friction: USDC provides a stablecoin-native settlement path.

Pricing

Advantages & Unique Selling Points

Compared to Competitors:

1. Per-purchase isolation: A compromised credential cannot become a general payment method.
2. Issuer-level controls: Restrictions are enforced in the payment path.
3. Protocol coverage: Reap supports TAP, MPP, and ACP agent commerce standards.

What Makes It Stand Out:

• Visa issuance across more than 40 markets.
• KYB and KYC handled at the platform layer.

User Reviews

"A merchant-locked card for one purchase creates a much smaller failure radius than a reusable credential." — Illustrative payments security feedback

"Passkey-bound approval is better suited to agents than waiting for an OTP flow." — Illustrative commerce engineer feedback

Getting Started

Quick Start Guide

1. Complete platform KYB or KYC onboarding.
2. Define the payment intent with merchant, amount, and lifetime.
3. Request a scoped Visa credential for the purchase.
4. Execute and retain commerce signals for audit.

Integration

Integrates with:

• Visa Intelligent Commerce
• Trusted Agent Protocol
• Machine Payments Protocol and Agentic Commerce Protocol

Frequently Asked Questions

Does the model see card data?

No. Credentials are tokenized and raw card details are not exposed.

Can a credential be reused elsewhere?

No. It is single-use and restricted to the approved merchant and amount.

How does settlement work?

Reap supports USDC-based stablecoin settlement without conventional FX friction.

Alternatives

• Crossmint: Agent cards plus Merchant of Record purchasing.
• Natural: Unified accounts, cards, processing, and billing.
• MoonPay MoonAgents: Non-custodial wallets with a stablecoin-funded Mastercard.

Tips & Best Practices

1. Use the shortest practical lifetime: Let credentials expire soon after checkout.
2. Match exact amounts: Avoid excess authorization headroom.
3. Store commerce signals: Link each card to agent, task, and approval context.

Conclusion

Reap applies least-privilege security directly to card payments by creating a restricted credential for each purchase. It is compelling for agent commerce teams that need broad Visa acceptance without giving models reusable payment secrets.