Reap Launches Sentry to Automate Card Fraud Management for Global Fintechs

Reap has launched Reap Sentry, a managed card fraud and risk service designed to handle end-to-end transaction security for businesses. By outsourcing the configuration of fraud rules and real-time screening, fintechs can launch card programs without the overhead of building internal fraud teams, addressing a global landscape where card fraud losses reached $33.41 billion in 2024.

What was announced

The launch of Reap Sentry introduces a managed service model to the card issuance space, specifically targeting the operational burden of transaction risk. Through this new offering, Reap manages the entire fraud lifecycle for its clients. This includes the initial configuration of fraud rules, the screening of authorizations in real time, the investigation of alerts, and the processing of chargebacks. Additionally, the service handles the mandatory reporting of confirmed fraud to Visa, a task that typically requires dedicated compliance personnel.

The service is built on the infrastructure Reap has developed over eight years of card issuance, during which the company has issued millions of cards. By leveraging data from its entire issuing portfolio, Reap applies controls informed by broad fraud patterns to individual client programs. These controls are not static; they are tailored to a client’s specific business profile, including their geographic footprint, cardholder segments, and risk appetite. According to the Nilson Report, global card volume reached $51.920 trillion in 2024, with fraud management becoming an increasingly millisecond-sensitive operation. Sentry is designed to stop fraud at the point of authorization to avoid the knock-on costs that often exceed the value of the fraudulent transaction itself.

Operationally, Sentry monitors for evolving threats such as BIN attacks and merchant breaches. While Reap protects the authorization layer, clients remain responsible for first-party fraud entry points, such as identity verification and account onboarding. The service is accessible via a single Reap API and is available to new issuing clients immediately, as well as existing clients upon contract renewal.

"Most companies launching a card programme have to build a fraud function from day one. Doing so requires specialist tooling, dedicated expertise and several months of preparation before they can safely issue a single card, by which point the threat landscape may already have shifted. That is rarely how a team wants its first months to go."

Harris Leow, Head of Product, Reap.

The companies involved

Reap is a global financial technology company that specializes in stablecoin-enabled infrastructure to facilitate financial connectivity for businesses. Headquartered in Hong Kong, the company employs 300 people worldwide and has established itself as a bridge between traditional finance and digital assets. Reap was an early mover in the Asian market regarding the incorporation of stablecoins into corporate finance solutions, and by 2025, the company was processing billions in stablecoin-funded transaction flows.

The company’s product suite spans stablecoin-enabled corporate cards, cross-border payments, and integrated business accounts. By merging digital asset liquidity with traditional payment rails, Reap enables companies to scale across disparate economies and financial markets. Its market position is defined by this hybrid approach, providing embedded finance solutions that allow businesses to utilize digital assets for everyday corporate expenses and treasury management. The company has spent nearly a decade refining its issuing portfolio, which serves as the foundational data source for the newly launched Sentry risk management service.

What FF News has reported before

FF News has closely tracked Reap’s expansion into digital asset integration and treasury management. In September 2026, we covered how Reap Launches Virtual Asset Ledger to Enable Direct Bitcoin Spending via Visa Cards, a move that significantly lowered the friction for crypto-native firms. This followed the August 2026 report that Reap Launches Direct USDC Funding via Hyperliquid to Streamline Corporate Treasury, highlighting the company's focus on stablecoin liquidity. Earlier in the year, the company expanded its yield-bearing products, as seen when Reap Integrates Circle’s USYC to Launch Tokenised Treasury Yield for Global Businesses. Furthermore, the operational foundation for secure growth was bolstered when Sumsub and Reap Partner to Automate Compliant Onboarding for Global Stablecoin Payments in June 2024, addressing the identity verification side of the risk equation that Sentry now complements.

What this means

The launch of Reap Sentry signals a shift in the "as-a-service" economy, moving from providing mere infrastructure to providing full-scale operational management. For the fintech sector, the barrier to entry for card issuance has often been the prohibitive cost of specialized fraud talent and the complex licensing of third-party monitoring tools. By bundling these into the authorization layer, Reap is putting pressure on traditional BaaS providers who leave the heavy lifting of risk management to the client. This move raises a critical question for the industry: as fraud patterns become more sophisticated and tied to digital asset flows, can a centralized managed service maintain the agility required to protect highly diverse business models better than a bespoke, in-house team?