> ## Documentation Index
> Fetch the complete documentation index at: https://docs.reap.global/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> The choices Reap locks in when your project is set up.

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.

<CardGroup cols={2}>
  <Card title="Program mode" icon="user-check" href="/program-configuration/modes">
    Consumer or Corporate. Determines who gets verified and who owns accounts.
  </Card>

  <Card title="Funding model" icon="wallet" href="/program-configuration/funding-models">
    User-Funded or Program-Funded. Determines where user funds are held and how card spending is backed.
  </Card>
</CardGroup>

## How they combine

Program mode and funding model are fully independent. Any combination is supported.

| Program mode | Funding model  | Typical use                                                                              |
| ------------ | -------------- | ---------------------------------------------------------------------------------------- |
| Consumer     | User-Funded    | Retail card where each user self-custodies their balance on Reap's wallet infrastructure |
| Consumer     | Program-Funded | Consumer card where you already hold user assets on your own platform                    |
| Corporate    | User-Funded    | Business or trust program funding balances through Reap-provisioned wallets              |
| Corporate    | Program-Funded | Business 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 Mode](/program-configuration/modes) page.

## What each configuration enables

A handful of entities and flows are gated by your funding model and (for Program-Funded projects) your [authorization mode](/program-configuration/authorization-mode). Everything else is identical across configurations.

| Capability                                                                        | User-Funded              | Program-Funded · Managed | Program-Funded · External             |
| --------------------------------------------------------------------------------- | ------------------------ | ------------------------ | ------------------------------------- |
| Per-account deposit wallets & [crypto deposits](/accounts/deposits)               | Yes                      | No                       | No                                    |
| [Virtual Assets](/virtual-assets/overview) (definitions, allocations, postings)   | No                       | Yes                      | No                                    |
| [Master collateral account](/program-configuration/funding-models#program-funded) | Not used                 | You fund it              | You fund it                           |
| [External authorization endpoint](/transactions/external-authorization/overview)  | No                       | No                       | Required                              |
| Who authorizes a transaction                                                      | Reap                     | Reap                     | You, in real time                     |
| Settling cleared card spend                                                       | Reap sweeps user wallets | You post `SETTLEMENT`s   | You keep the master account topped up |

Everything else is common to all three: card issuance and the full [transaction lifecycle](/transactions/lifecycle), [spend policies](/spend-policies/overview), compliance (KYC/KYB), 3D Secure, digital-wallet provisioning, and [webhooks](/webhooks/overview).

## 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.