What is the core difference between Fyatu and Reap?

Fyatu is a card-as-a-service API that enables businesses to build any card program — consumer, corporate, crypto-funded, or prepaid — via REST API and real-time authorization webhooks. Reap is a corporate card and stablecoin payments platform focused on expense management for businesses in Hong Kong and Asia-Pacific. Fyatu is infrastructure; Reap is a managed product.

Can Fyatu replace Reap for corporate expense card programs?

Yes, if you need programmatic control. Fyatu's API supports corporate card issuance with full spend controls, per-cardholder limits, MCC restrictions, and real-time authorization webhooks — all the primitives needed to build an expense management product on top. Reap provides an out-of-the-box expense management UX, which may be preferable for non-technical buyers who want a managed dashboard rather than an API to build on.

Does Fyatu cover the same geographic markets as Reap?

Fyatu covers 180+ countries globally, including all markets where Reap operates (Hong Kong, Singapore, Asia-Pacific) plus LATAM, MENA, Eastern Europe, and many other regions. Reap is primarily focused on Asia-Pacific. For international card programs, Fyatu is the broader choice.

How does USDC prefunding with Reap compare to Fyatu JIT?

Reap uses USDC on Ethereum as its funding model — capital is deposited before corporate cards can be used. Fyatu JIT keeps card balances at $0 until a transaction fires; your backend webhook responds with approval and funds are settled in fiat. No USDC pool, no Ethereum dependency.

Which card networks does Fyatu support vs Reap?

Fyatu supports both Visa and Mastercard — virtual and physical cards — from a single API integration. Reap primarily issues Visa cards. For card programs that need Mastercard acceptance, or want flexibility across both networks, Fyatu provides more options.

What is the core difference between Fyatu and Reap?

Fyatu is a card-as-a-service API that enables businesses to build any card program — consumer, corporate, crypto-funded, or prepaid — via REST API and real-time authorization webhooks. Reap is a corporate card and stablecoin payments platform focused on expense management for businesses in Hong Kong and Asia-Pacific. Fyatu is infrastructure; Reap is a managed product.

Can Fyatu replace Reap for corporate expense card programs?

Yes, if you need programmatic control. Fyatu's API supports corporate card issuance with full spend controls, per-cardholder limits, MCC restrictions, and real-time authorization webhooks — all the primitives needed to build an expense management product on top. Reap provides an out-of-the-box expense management UX, which may be preferable for non-technical buyers who want a managed dashboard rather than an API to build on.

Does Fyatu cover the same geographic markets as Reap?

Fyatu covers 180+ countries globally, including all markets where Reap operates (Hong Kong, Singapore, Asia-Pacific) plus LATAM, MENA, Eastern Europe, and many other regions. Reap is primarily focused on Asia-Pacific. For international card programs, Fyatu is the broader choice.

How does USDC prefunding with Reap compare to Fyatu JIT?

Reap uses USDC on Ethereum as its funding model — capital is deposited before corporate cards can be used. Fyatu JIT keeps card balances at $0 until a transaction fires; your backend webhook responds with approval and funds are settled in fiat. No USDC pool, no Ethereum dependency.

Which card networks does Fyatu support vs Reap?

Fyatu supports both Visa and Mastercard — virtual and physical cards — from a single API integration. Reap primarily issues Visa cards. For card programs that need Mastercard acceptance, or want flexibility across both networks, Fyatu provides more options.

COMPETITIVE COMPARISON

JIT Funding

Corporate Cards + Stablecoin

Fyatu vs Reap

Reap is a Hong Kong-based corporate card and stablecoin payments platform focused on Asia-Pacific business expense management. Fyatu is a global card issuing API with JIT funding — zero prefunding, no blockchain, real-time authorization control in 180+ countries. Here's the comparison.

Get Started View Card Issuing API

<100ms

Authorization latency

Prefunding required

180+

Countries covered

DETAILED COMPARISON

Fyatu vs Reap: Feature Comparison

Comparing card issuing infrastructure and flexibility between Fyatu JIT API and Reap corporate card platform.

Primary use case

Full card-as-a-service API — any card program architecture

Corporate expense card management — B2B focus

Prefunding model

Zero — JIT webhook pulls funds at authorization

USDC on Ethereum funded before cards can be used

Geographic coverage

180+ countries globally

Primarily Hong Kong, Singapore, select Asia-Pacific

API programmability

Full programmatic control — card lifecycle, webhooks, limits, controls

Dashboard-driven managed platform with API access

Blockchain dependency

None — REST API and HTTPS webhooks

Ethereum USDC integration for funding flows

Crypto card use cases

Yes — any ledger-backed balance, off-chain

Yes — USDC-funded corporate cards

Card networks

Visa & Mastercard

Visa

Stablecoin exposure

None — fiat settlement, stablecoin stays in your ledger

USDC on Ethereum backs the card balance pool

Cardholder types

Consumer, business, B2B — fully programmable

Business expense management cardholders

Physical card support

Yes — virtual and physical

Visa virtual cards; physical availability varies

	RECOMMENDED
Primary use case	Full card-as-a-service API — any card program architecture	Corporate expense card management — B2B focus
Prefunding model	Zero — JIT webhook pulls funds at authorization	USDC on Ethereum funded before cards can be used
Geographic coverage	180+ countries globally	Primarily Hong Kong, Singapore, select Asia-Pacific
API programmability	Full programmatic control — card lifecycle, webhooks, limits, controls	Dashboard-driven managed platform with API access
Blockchain dependency	None — REST API and HTTPS webhooks	Ethereum USDC integration for funding flows
Crypto card use cases	Yes — any ledger-backed balance, off-chain	Yes — USDC-funded corporate cards
Card networks	Visa & Mastercard	Visa
Stablecoin exposure	None — fiat settlement, stablecoin stays in your ledger	USDC on Ethereum backs the card balance pool
Cardholder types	Consumer, business, B2B — fully programmable	Business expense management cardholders
Physical card support	Yes — virtual and physical	Visa virtual cards; physical availability varies

Feature availability based on published documentation. Contact each provider's sales team for an exact quote.

AT A GLANCE

Two approaches. One fundamental architectural difference.

JIT Funding

Global card issuing API. Zero prefunding. Real-time authorization webhooks.

Zero prefunding — no stablecoin pool required
API-first: full programmatic control over every card
180+ countries — LATAM, MENA, Asia, Eastern Europe
Visa & Mastercard virtual and physical cards
Per-transaction webhook authorization with custom logic
No blockchain dependency — REST API only

Corporate Cards + Stablecoin

Business expense cards with USDC payment rails, focused on Hong Kong and Asia.

Established corporate card platform in HK fintech ecosystem
Expense management UX included — minimal integration required
USDC on Ethereum for funding — native to crypto-holding businesses
Visa-backed virtual and physical corporate cards
Dashboard-driven expense management for business teams
Focused on Asia-Pacific corporate card programs

WHAT MAKES FYATU DIFFERENT

Fyatu and Reap: different architectures

What distinguishes Fyatu's infrastructure for modern card programs.

Full CaaS API — not just corporate cards

Reap is purpose-built for corporate expense management — a focused product for a specific use case. Fyatu is a card-as-a-service API that enables any card program architecture: consumer wallets, neobank cards, crypto-funded programs, expense cards, loyalty cards, or prepaid programs. The full card lifecycle — issuance, loading, controls, lifecycle management — is exposed via API.

Global coverage beyond Asia-Pacific

Reap's core strength is Hong Kong and Singapore, with selective expansion across Asia-Pacific. Fyatu covers 180+ countries — including LATAM, MENA, and Eastern Europe — markets where cards-as-a-service infrastructure is in high demand. For international fintechs, Fyatu provides a single global contract.

No Ethereum dependency

Reap's funding rail is USDC on Ethereum — a natural fit for businesses already operating with on-chain infrastructure. Fyatu takes a different approach: HTTPS webhooks, REST API, fiat settlement. No wallet management, no gas fee exposure, no Ethereum dependency. For card programs that want to keep their infrastructure off-chain, Fyatu is the right choice.

Real-time authorization control

Fyatu fires a webhook to your backend at every card authorization before settlement — giving you real-time control to approve, decline, or modify any transaction based on live business logic. Reap's model is dashboard-managed with pre-defined expense policies, which works well for teams that want a managed product rather than a fully programmable authorization layer.

HONEST VERDICT

Who should choose what?

An honest breakdown to help you make the right decision for your card program.

Choose Fyatu if…

RECOMMENDED

Best fit for most card programs

You're building a card program (not just managing corporate expenses) — neobank, fintech, crypto card, prepaid
You need global coverage beyond Asia-Pacific
Your engineering team needs a fully programmable API with per-transaction webhook authorization
You cannot prefund Ethereum USDC pools — capital efficiency matters
You want both Visa and Mastercard, not just Visa

Choose Reap if…

A strong fit for specific use cases

You're a Hong Kong or Singapore business that needs corporate expense cards with built-in approval workflows and expense management UX
USDC on Ethereum is already your payment infrastructure and corporate card issuance is a secondary need
You want a managed product with minimal API integration work for internal expense tracking

FAQ

Fyatu vs Reap: FAQ

Common questions about comparing Fyatu and Reap for card issuing.

Platform Features

Fyatu vs. Competitors

Go Live in Minutes