Funding methods

Two calls drive funding. Always start with Get funding options, which lists the products, methods, networks and currencies your business can use; never hard-code them. Then call Get funding instructions with the product, type (CRYPTO or BANK_TRANSFER) and network you picked. network is always required: a crypto network (ETHEREUM, POLYGON, SOLANA, TRON, HYPERLIQUID) or a bank rail (FPS, CHATS). currency is sent in addition for bank transfers.

Crypto funding (`type: "CRYPTO"`)

Rule	Detail
Networks	`ETHEREUM`, `POLYGON`, `SOLANA`, `TRON`, `HYPERLIQUID` (HyperEVM)
Currencies	USDC and USDT on Ethereum, Polygon and Solana; USDC only on HyperEVM; USDT only on TRON. Ethereum also supports USDe.
Minimum	USDC/USDT 2.00
Credit time	About 5 minutes on-chain
Status	`READY` returns `address`; `IN_PROGRESS` means the wallet is still being created, so retry after `retryAfterSeconds`

Send only on the requested network, in a supported currency, above the minimum; anything else can’t be credited automatically.

Bank funding (`type: "BANK_TRANSFER"`)

For supported currencies and how fiat funding works end to end, see How to add funds to your Reap Account? in the Help Center.

Rule	Detail
Available for	`CARD` product only; `network` is `FPS` or `CHATS`, and `currency` is sent in addition (`HKD` via `FPS`, `USD` via `CHATS`)
Reference ID	A fresh `IBM-XXXXXX` reference is generated on every call. Put it in the transfer’s remarks
Reconciliation	Starts once the funds land in Reap’s bank account. With the Reference ID in the remarks: automatic, within a few minutes. Without: the Reap team reconciles the funds manually, which can take 1 to 2 business days
Account name	Send from an account in your business’s registered name
`expiresAt`	Currently always `null`. References don’t expire, but re-fetch instructions before each transfer anyway

The instructions response includes the bank details to send to: account name, account number, bank code and similar fields, plus the referenceId.

Confirm the transfer

After sending a bank transfer, call Confirm bank transfer with the referenceId and amount, and an Idempotency-Key. Confirmation tells Reap a transfer is on its way; it does not reconcile or credit anything. The funds are reconciled once they land in Reap’s bank account. Each confirmation is recorded under the person who created the API key.

Response	What to do
`400 DUPLICATE_REFERENCE`	Already confirmed, so check Treasury history first. Never resubmit under a new reference
`403 TREASURY_REQUESTER_NOT_AVAILABLE`	The key’s creator is no longer an approved team member, so create a key under a current member
`400 FUNDING_METHOD_NOT_AVAILABLE`	That product/network/currency isn’t available for your business; use a method from funding options

Getting started

Use cases

Concepts

Crypto funding (`type: "CRYPTO"`)

Bank funding (`type: "BANK_TRANSFER"`)

Confirm the transfer

​Crypto funding (type: "CRYPTO")

​Bank funding (type: "BANK_TRANSFER")

​Confirm the transfer

​Related endpoints

Crypto funding (`type: "CRYPTO"`)

Bank funding (`type: "BANK_TRANSFER"`)

Confirm the transfer

Related endpoints