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Reap, part of Payward, lets businesses fund with USDC or USDT and pay suppliers in 25+ currencies over SWIFT and local rails across Asia, Europe and the Americas, with same-day payout initiation.
Reap scores 2.4 out of 5 (48 out of 100) in the Buckingham Intelligence Stablecoin Settlement Index 2026 and ranks 10 of 14. It is strongest for asian firms paying suppliers from USDC or USDT, with 5 out of 5 for coins and rails. Not published or not stated on the pages read: licences, access and protection.
Scores from the Stablecoin Settlement Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For receiving from buyers | 56 | 9 of 14 |
| For paying suppliers | 53 | 8 of 14 |
| For treasury and holding | 35 | 13 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Asian firms paying suppliers from USDC or USDT.
What Reap publishes on its own pages, read on 21 October 2026.
Reap, part of Payward, lets businesses fund with USDC or USDT and pay suppliers in 25+ currencies over SWIFT and local rails across Asia, Europe and the Americas, with same-day payout initiation. Its licences are stated only in general terms.
| Fact | What the provider publishes |
|---|---|
| Legal status | 'Reap is a licensed financial technology company, regulated across Hong Kong and Mexico. Reap is not a bank.' Footer: Reap Technologies Limited; 'Reap by Payward', '© 2011-2026 Payward, Inc.' |
| Licences | Licensed in 'HK' and 'MX' per the business account page; no regulator, licence type or licence number published on the pages read. |
| Stablecoins and networks | USDC and USDT on 'Ethereum, Polygon, Solana, and TRON'. |
| Bank rails | SWIFT plus FPS, SEPA, ACH, CHATS, SPEI, PIX, FAST, BECS, EFT, IMPS, NEFT, INSTAPAY, PROMPTPAY, ZENGIN and others; '25+' currencies including USD, EUR, GBP, CNY, HKD, SGD, JPY, MXN, BRL and INR. |
| Fees | Help centre pricing: 'Reap Handling Fee' 0.8% for stablecoin-funded payments; local payments up to USD 5; non-local payouts USD 25; foreign transaction fee 'Varies'. A Reap blog post of 21 July 2025 states the stablecoin rate was cut to 0.5%; the two pages disagree and the pricing page is used. |
| Settlement | 'T+0 payment initiation within the UTC+8 banking timezone'; 'Stablecoin funding settles onchain in minutes, and Reap initiates the fiat payout the same day'; crediting depends on the corridor. |
| Access | Most companies approved 'within 24 to 72 hours'; eligible countries not listed; 'No monthly fees or minimum balances'. |
| Protection | Not stated: the 'Is my money protected?' answer on the business account page covers fees only. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: reap.global/hk/products/business-account, reap.global/products/payments, support.reap.global/en/articles/1197440, reap.global/blog/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Stablecoin Settlement Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Circle Mint | 4.0 | 1 of 14 | Minting and redeeming USDC at scale |
| Bridge | 3.7 | 2 of 14 | Moving between stablecoins and local bank rails |
| Brale | 3.6 | 3 of 14 | US businesses wanting a full public price list |
| BVNK | 3.4 | 4 of 14 | Businesses needing US, EU and UK rails together |
| Paxos | 3.3 | 5 of 14 | Fee-free minting of USDG and PYUSD |
| Stripe | 3.1 | 6 of 14 | Taking stablecoin payments at checkout |
| Ramp | 3.0 | 7 of 14 | US firms paying suppliers in stablecoins at no fee |
| Bitso Business | 2.8 | 8 of 14 | Real-time payouts in Mexico and Brazil |
| Conduit | 2.5 | 9 of 14 | Emerging market firms needing USD accounts and payouts |
| MoonPay Enterprise | 2.0 | 11 of 14 | Platforms paying out stablecoins as local fiat |
| Revolut Business | 1.9 | 12 of 14 | Firms already banking with Revolut |
| Coinbase Business | 1.9 | 13 of 14 | US and Singapore firms invoicing in USDC |
| Triple-A | 1.1 | 14 of 14 | Merchants in Asia and Europe settling to IBAN |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Reap is compared with its alternatives in the table above.
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