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An account holds funds on the Reap platform on behalf of an individual or a company. It’s funded by on-chain stablecoin deposits and used to power card spending and payments.

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Ownership modes

Every account belongs to a single owner. Your project is configured with one ownership mode at onboarding, which determines what type of owner you create accounts for. USER ownership: each account belongs to a verified individual user with their own isolated balance. This is the only option for consumer programs. In corporate programs, use USER ownership when individual employees each manage their own spending independently. 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. Use this when spending is centralised and all company employees draw from the same funds.
In COMPANY ownership mode, individual employee cardholders still require KYC approval before a card can be issued to them, even though the balance sits at the company level.

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The typical flow

  1. Create an account by passing the owner type and owner ID. You get back a deposit address for each chain enabled on your project. If you need additional chains enabled, contact the Reap team.
  2. Share the deposit addresses with your user. They send supported tokens to the address for their preferred chain.
  3. Track incoming deposits via the CRYPTO_DEPOSIT_CREATED and CRYPTO_DEPOSIT_STATUS_UPDATED webhooks.
  4. Check the balance using the balance endpoint. Once a deposit is approved, the balance updates automatically.

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Balance

The balance endpoint gives you the account’s net available balance in USD, accounting for total asset value and any liabilities. The availableBalance field is what the cardholder can actually spend, so it’s the right number to surface in your product when showing a user how much they have loaded on their card.

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Assets

The assets endpoint shows exactly what is held in the account, broken down by token across all chains. Use this when you want to show users what they have deposited and in which currency, rather than just a single USD total.
The assets total and the available balance will not always match. Assets reflect everything held in the account, including unsupported tokens. The balance only counts supported tokens with approved deposits and subtracts liabilities such as outstanding card spend. Deposits still being processed on-chain or awaiting approval also appear in assets before they affect the balance.

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Activity

Once funds start moving, the activity feed is where you get the full picture. It gives you a chronological record of all fund movements across your project, covering deposits, card transactions, and more in one place. 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.