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Before you write any integration code, Reap configures two foundational choices for your project. Both are immutable after launch because they shape wallets, compliance flows, and settlement.

Program mode

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

Funding model

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

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How they combine

Program mode and funding model are fully independent. Any combination is supported. Account ownership (USER or COMPANY) is chosen when you create an account, not as a project-level setting. Company-owned accounts are only available in corporate programs - see Program Mode.

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What each configuration enables

A handful of entities and flows are gated by your funding model and (for Program-Funded projects) your authorization mode. Everything else is identical across configurations. Everything else is common to all three: card issuance and the full transaction lifecycle, spend policies, compliance (KYC/KYB), 3D Secure, digital-wallet provisioning, and webhooks.

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Changing configuration after launch

Program mode 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.