> ## Documentation Index > Fetch the complete documentation index at: https://direct-api.reap.global/llms.txt > Use this file to discover all available pages before exploring further. # Get Treasury funding instructions > Required API-key scope: `treasury_funding:read`. Returns where to send your funds: a deposit wallet address for a crypto `network`, or bank details plus a unique Reference ID for a bank `currency`. Only send when `status` is `READY`; when it is `IN_PROGRESS`, retry after `retryAfterSeconds`. The same product and network keep the same wallet address, but every bank call returns a new Reference ID. See [Funding methods](/concepts/treasury/funding). ## OpenAPI ````yaml /openapi/2026-07-13.json get /2026-07-13/treasury/funding-instructions openapi: 3.1.0 info: title: Reap Business Account API description: > # Introduction The Reap Business Account API lets you manage cards, spend and Treasury funding for your Business Account from your own systems. Every endpoint is authenticated with an API key sent in the `x-api-key` header and versioned with a date in the URL (`/2026-07-13/...`). Guides, concepts and the full setup reference live on the docs site: [direct-api.reap.global](https://direct-api.reap.global). ## Errors All errors share a single JSON envelope: ```json { "statusCode": 400, "type": "INVALID_REQUEST_ERROR", "code": "SPEND_CAP_TOO_LOW", "message": "Spend cap cannot be lower than the amount already spent on this card.", "param": "spendCap", "requestId": "01H..." } ``` - `statusCode`: HTTP status, duplicated in the body. - `type`: coarse category, **always present**. Branch on this for retry/re-auth decisions. - `code`: stable, machine-readable identifier. Present only for programmatically-actionable errors. - `message`: human-readable explanation, safe to surface to users. - `param`: offending field for validation errors (optional). - `details`: structured extra context such as validation issues or required API-key scopes (optional). - `requestId`: correlation id; include it when contacting support (optional). The specific error codes each endpoint can return are documented on that endpoint's responses below. ### Error types | Type | Description | | --- | --- | | `INVALID_REQUEST_ERROR` | The request was rejected due to invalid input, a missing resource, or a business-rule violation (HTTP 400/404/409/422). | | `AUTHENTICATION_ERROR` | Authentication is missing or invalid (HTTP 401). | | `PERMISSION_ERROR` | The caller is authenticated but not permitted to perform the action (HTTP 403). | | `RATE_LIMIT_ERROR` | Too many requests; retry after a delay (HTTP 429). | | `API_ERROR` | An unexpected error occurred on our side (HTTP 5xx). | | `UPSTREAM_ERROR` | An upstream service returned an error (HTTP 502/503). | version: '2026-07-13' contact: {} servers: - url: https://api.global.direct.reap.global security: [] tags: [] paths: /2026-07-13/treasury/funding-instructions: get: tags: - Treasury summary: Get Treasury funding instructions description: >- Required API-key scope: `treasury_funding:read`. Returns where to send your funds: a deposit wallet address for a crypto `network`, or bank details plus a unique Reference ID for a bank `currency`. Only send when `status` is `READY`; when it is `IN_PROGRESS`, retry after `retryAfterSeconds`. The same product and network keep the same wallet address, but every bank call returns a new Reference ID. See [Funding methods](/concepts/treasury/funding). operationId: getTreasuryFundingInstructions parameters: - name: product required: true in: query description: The balance to fund. Use a product returned by funding options. x-nestjs_zod-parent-additional-properties: false schema: type: string enum: - CARD - PAYMENTS - OPTIMIZE - GENERAL - name: type required: true in: query description: >- `CRYPTO` returns a wallet address; `BANK_TRANSFER` returns bank details and a Reference ID. x-nestjs_zod-parent-additional-properties: false schema: type: string enum: - CRYPTO - BANK_TRANSFER - name: network required: true in: query description: >- A network code from funding options: a crypto network (`ETHEREUM`, `POLYGON`, `SOLANA`, `TRON`, `HYPERLIQUID`) or a bank rail (`FPS`, `CHATS`). x-nestjs_zod-parent-additional-properties: false schema: minLength: 1 type: string - name: currency required: false in: query description: For bank transfers, the currency to send, for example `HKD`. x-nestjs_zod-parent-additional-properties: false schema: type: string responses: '200': description: '' content: application/json: schema: $ref: '#/components/schemas/TreasuryFundingInstructions' examples: ready: summary: Crypto wallet ready value: product: CARD type: CRYPTO currency: null network: ETHEREUM networkName: Ethereum (ERC-20) retryAfterSeconds: null message: null status: READY instructions: walletAddress: '0x1234567890abcdef1234567890abcdef12345678' memo: null supportedCurrencies: - USDC - USDT minimumAmounts: - amount: '2.00' currency: USDC - amount: '2.00' currency: USDT estimatedCreditMinutes: 5 estimatedRates: - currency: USDC targetCurrency: HKD rate: '7.81' - currency: USDT targetCurrency: HKD rate: '7.83' ratesAsOf: '2026-10-01T03:00:00.000Z' provisioning: summary: Solana provisioning value: product: CARD type: CRYPTO currency: null network: SOLANA networkName: Solana (SPL) retryAfterSeconds: 10 message: Generating your network details… status: IN_PROGRESS instructions: null bankTransfer: summary: Card bank instructions value: product: CARD type: BANK_TRANSFER currency: HKD network: FPS networkName: FPS retryAfterSeconds: null message: null status: READY instructions: beneficiaryName: Reap Technologies Limited beneficiaryAddress: 28/F, 1063 King’s Road, Quarry Bay, Hong Kong bankName: Example Bank (Hong Kong) Limited swiftCode: EXBKHKHH bankCode: '999' branchCode: '001' accountNumber: '123456789' accountNumberType: ACCOUNT_NUMBER bankAddress: 1 Example Street, Central, Hong Kong referenceId: IBM-ABCDEF referenceRequired: true expiresAt: null '400': description: '`FUNDING_METHOD_NOT_AVAILABLE`' content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: BAD_REQUEST: summary: BAD_REQUEST value: statusCode: 400 type: INVALID_REQUEST_ERROR message: Bad request. FUNDING_METHOD_NOT_AVAILABLE: summary: FUNDING_METHOD_NOT_AVAILABLE value: statusCode: 400 type: INVALID_REQUEST_ERROR code: FUNDING_METHOD_NOT_AVAILABLE message: This funding method is not available for this product. '401': description: '`UNAUTHORIZED`, `AUTH_CREDENTIAL_MISSING`, `API_KEY_INVALID`' content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: UNAUTHORIZED: summary: UNAUTHORIZED value: statusCode: 401 type: AUTHENTICATION_ERROR message: Authentication required. AUTH_CREDENTIAL_MISSING: summary: AUTH_CREDENTIAL_MISSING value: statusCode: 401 type: AUTHENTICATION_ERROR code: AUTH_CREDENTIAL_MISSING message: Authentication is required. API_KEY_INVALID: summary: API_KEY_INVALID value: statusCode: 401 type: AUTHENTICATION_ERROR code: API_KEY_INVALID message: API key is invalid. '403': description: '`TREASURY_NOT_AVAILABLE`, `REAP_OPTIMIZE_TERMS_NOT_ACCEPTED`' content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: FORBIDDEN: summary: FORBIDDEN value: statusCode: 403 type: PERMISSION_ERROR message: You do not have permission to perform this action. API_KEY_IP_NOT_ALLOWED: summary: API_KEY_IP_NOT_ALLOWED value: statusCode: 403 type: PERMISSION_ERROR code: API_KEY_IP_NOT_ALLOWED message: Request IP is not allowed for this API key. AUTH_INSUFFICIENT_PERMISSIONS: summary: AUTH_INSUFFICIENT_PERMISSIONS value: statusCode: 403 type: PERMISSION_ERROR code: AUTH_INSUFFICIENT_PERMISSIONS message: Insufficient permissions. details: requiredScopes: - AUTH_METHOD_NOT_ALLOWED: summary: AUTH_METHOD_NOT_ALLOWED value: statusCode: 403 type: PERMISSION_ERROR code: AUTH_METHOD_NOT_ALLOWED message: >- This endpoint does not accept the credential type provided. TREASURY_NOT_AVAILABLE: summary: TREASURY_NOT_AVAILABLE value: statusCode: 403 type: PERMISSION_ERROR code: TREASURY_NOT_AVAILABLE message: Treasury is not available for this business. REAP_OPTIMIZE_TERMS_NOT_ACCEPTED: summary: REAP_OPTIMIZE_TERMS_NOT_ACCEPTED value: statusCode: 403 type: PERMISSION_ERROR code: REAP_OPTIMIZE_TERMS_NOT_ACCEPTED message: >- Accept the Reap Optimize terms in the dashboard before funding Optimize. '429': description: '`API_KEY_RATE_LIMITED`' content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: API_KEY_RATE_LIMITED: summary: API_KEY_RATE_LIMITED value: statusCode: 429 type: RATE_LIMIT_ERROR code: API_KEY_RATE_LIMITED message: API key rate limit exceeded. '500': description: '`INTERNAL_ERROR`' content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: INTERNAL_ERROR: summary: INTERNAL_ERROR value: statusCode: 500 type: API_ERROR message: An unexpected error occurred. security: - apiKey: [] components: schemas: TreasuryFundingInstructions: type: object properties: status: type: string enum: - READY - IN_PROGRESS description: >- `READY` means `instructions` can be used now; `IN_PROGRESS` means retry after `retryAfterSeconds`. product: type: string enum: - CARD - PAYMENTS - OPTIMIZE - GENERAL description: >- The Reap balance this funding or transaction applies to: `CARD` (the card account), `PAYMENTS`, `OPTIMIZE` or `GENERAL`. type: type: string enum: - CRYPTO - BANK_TRANSFER description: Which kind of funding these instructions are for. currency: anyOf: - type: string - type: 'null' description: >- The currency the instructions apply to, sent in addition for bank transfers. network: type: string description: >- The network these instructions are for. Always required: a crypto network (`ETHEREUM`, `POLYGON`, `SOLANA`, `TRON`, `HYPERLIQUID`) or a bank rail (`FPS`, `CHATS`). networkName: type: string description: The human-readable network name, for example `HyperEVM`. instructions: anyOf: - anyOf: - type: object properties: walletAddress: type: string minLength: 1 description: The deposit address. Send only on the requested network. memo: anyOf: - type: string - type: 'null' description: An extra destination tag when the network requires one. supportedCurrencies: minItems: 1 type: array items: type: string description: The stablecoins this address accepts. minimumAmounts: type: array items: type: object properties: amount: type: string description: Decimal string, preserving the asset precision. currency: type: string required: - amount - currency description: The minimum deposit per currency. estimatedCreditMinutes: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: How long a deposit typically takes to credit. estimatedRates: anyOf: - type: array items: type: object properties: currency: type: string targetCurrency: type: string rate: type: string required: - currency - targetCurrency - rate - type: 'null' description: Indicative conversion rates, when applicable. ratesAsOf: anyOf: - type: string format: date-time pattern: >- ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$ - type: 'null' description: When `estimatedRates` were quoted, in UTC. required: - walletAddress - memo - supportedCurrencies - minimumAmounts - estimatedCreditMinutes - estimatedRates - ratesAsOf - type: object properties: beneficiaryName: type: string description: The account name to send to. beneficiaryAddress: anyOf: - type: string - type: 'null' description: The beneficiary's address. bankName: type: string description: The beneficiary bank's name. swiftCode: anyOf: - type: string - type: 'null' description: The bank’s SWIFT/BIC code. bankCode: anyOf: - type: string - type: 'null' description: The local bank code. branchCode: anyOf: - type: string - type: 'null' description: The branch code. accountNumber: type: string description: The account number to send to. accountNumberType: type: string const: ACCOUNT_NUMBER description: Always `ACCOUNT_NUMBER`. bankAddress: anyOf: - type: string - type: 'null' description: The bank's address. referenceId: type: string description: >- A fresh `IBM-XXXXXX` reference, generated on every call. Put it in the transfer’s remarks so Reap can reconcile it. referenceRequired: type: boolean const: true description: >- Always `true`. The reference is required for fast reconciliation. expiresAt: anyOf: - type: string format: date-time pattern: >- ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$ - type: 'null' description: Currently always `null`. Reference IDs don’t expire. required: - beneficiaryName - beneficiaryAddress - bankName - swiftCode - bankCode - branchCode - accountNumber - accountNumberType - bankAddress - referenceId - referenceRequired - expiresAt - type: 'null' description: >- Crypto wallet details or bank transfer details, matching `type`. `null` while `IN_PROGRESS`. retryAfterSeconds: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: How long to wait before retrying when `IN_PROGRESS`. message: anyOf: - type: string - type: 'null' description: Extra context, for example why a method is unavailable. required: - status - product - type - currency - network - networkName - instructions - retryAfterSeconds - message ErrorResponse: type: object properties: statusCode: type: integer minimum: 100 maximum: 599 description: The HTTP status code, repeated in the body for convenience. type: type: string enum: - INVALID_REQUEST_ERROR - AUTHENTICATION_ERROR - PERMISSION_ERROR - RATE_LIMIT_ERROR - API_ERROR - UPSTREAM_ERROR description: >- The broad kind of error, for example `RATE_LIMIT_ERROR`. It's always present: use it to decide whether to retry, re-authenticate or fix the request. code: description: >- A stable, machine-readable error code, for example `CARD_CREATION_REQUIRES_DEPOSIT`. It's present when there's a specific action you can take, and each endpoint lists the codes it can return. type: string message: type: string description: >- A plain-English explanation of the error that's safe to show to your users. param: description: >- The request field that caused a validation error, for example `spendCap`. type: string details: description: >- Extra structured information, such as the list of validation issues or the API-key scopes your key is missing. requestId: description: >- A unique ID for this request. Include it when you contact Reap Support so the team can find it. type: string required: - statusCode - type - message securitySchemes: apiKey: type: apiKey in: header name: x-api-key description: Enter your API key ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.