Skip to main content
Before you write any integration code, Reap configures three things for your project. Each is immutable after launch because they shape wallets, compliance flows, and settlement.

Program mode

Consumer or Corporate. Determines who gets verified and who owns accounts.

Account ownership

User or Company. For corporate programs, decides whether balances live at the employee or the company level.

Funding model

User-Funded or Program-Funded. Determines where user funds are held and how card spending is backed.

​
How they combine

Program mode and funding model are fully independent. Any combination is supported.
Program modeFunding modelTypical use
ConsumerUser-FundedRetail card where each user self-custodies their balance on Reap’s wallet infrastructure
ConsumerProgram-FundedConsumer card where you already hold user assets on your own platform
CorporateUser-FundedBusiness or trust program funding balances through Reap-provisioned wallets
CorporateProgram-FundedBusiness or trust program where you hold the operating funds yourselves
Account ownership (User or Company) is a secondary choice that applies only to corporate programs, covered on the Program Modes page.

​
Changing configuration after launch

Program mode, account ownership, and funding model are fixed at project creation. To run a different configuration, create a new project. Most other settings (cards, users, limits, webhooks) are configurable after launch.