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An account is the unit of spending in Reap. Every card is issued against an account, every authorization is evaluated against an account’s balance, and every settlement clears debt on an account.

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Ownership

Each account belongs to a single owner. Your project’s program mode and account ownership decide what type of owner you create accounts for.
  • USER ownership. Each account belongs to a verified individual user with their own isolated balance. The only option for consumer programs, and available in corporate programs for per-user spending.
  • COMPANY ownership. Each account belongs to a verified company with a single pooled balance shared across all cardholders under that company. Only available in corporate programs.
Individual cardholders always require an approved KYC application before a card can be issued to them, even when the balance lives at the company level.

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How balance is computed

Every account has a balance made up of three numbers: 
availableBalance = assets - liabilities
  • Assets is what backs spending. The shape depends on your funding model. In User-Funded projects it is stablecoin deposits held in the account’s wallets. In Program-Funded projects it is the Virtual Asset balances you allocate. Combined (coming soon) sums both.
  • Liabilities is outstanding card spend: authorizations on hold and cleared amounts that have not yet been settled.
  • Available balance is what the cardholder can actually use at the moment of a card swipe.
Call Get account balance at any time to read these values. availableBalance is the number you surface in your product when showing a user how much they have loaded on their card.

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Typical funding flow

  1. Create an account with the owner type and owner ID. You get back a deposit address for each enabled chain.
  2. Share the deposit addresses with your user. They send supported stablecoins. See Funding via Deposits.
  3. Track deposits via the CRYPTO_DEPOSIT_CREATED and CRYPTO_DEPOSIT_STATUS_UPDATED webhooks.
  4. Once a deposit is approved, the balance updates automatically. Check it via Get account balance.

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Assets breakdown

The assets endpoint shows what is held in the account, broken down per chain and per token (or per Virtual Asset symbol in Program-Funded projects). Only approved balances are included. Deposits that are still being confirmed on chain do not count toward assets or availableBalance. They surface in the deposit and activity feeds until approval, at which point both values update.

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Activity

The activity feed gives a chronological record of all fund movements on an account: deposits, card transactions, virtual asset postings, and more. Filter by account or activity type to scope it to a specific user, or use it to power a transaction history view in your product.