Reah

What is it ?

Reah is a financial operating system that unifies fiat banking, digital asset infrastructure, and AI-native execution in one platform. Banking, wallets, cards, global payments, and treasury all run through a single real-time ledger with programmable approval policies. Instead of managing banking in one system and onchain activity in another, Reah gives finance teams one place to move money, enforce controls, and close the books.

What problem does it solve?

• Fragmented tooling across fiat and digital assets. Finance teams operate across disconnected bank portals, wallets, exchanges, and point solutions, with no unified view of what the company holds, owes, and has moved across rails.
• Reconciliation overhead. On-chain and off-chain transaction data live in separate tools with different formats. Stitching them together for month-end close is manual, slow, and error-prone.
• Approval gaps between systems. Spend controls and approval workflows are set up separately for banking, treasury, wallets, and cards, creating policy blind spots and inconsistent governance.
• Wallets not built for finance teams. Many crypto wallets weren't designed for team-based finance operations, approval routing, role-based controls, and audit trails.
• No predictive intelligence across rails. Teams often spot anomalies, forecast cash positions, and run variance analysis only after pulling data from multiple systems, usually in spreadsheets, late in the close process.

Feature Highlights

• AI-native finance agents. Copilot analyzes and reports across fiat and on-chain activity: anomaly detection, cash forecasts, entity P&L. Canvas automates and executes: payroll, AR, FX conversion, reconciliation under policy controls.
• Unified Ledger: Every on-chain and off-chain transaction captured in one real-time ledger, one source of truth for banking and digital asset activity.
• Global Business Banking: Regulated, named USD business accounts with ACH, wire, and SWIFT capabilities, built into the same system as your on-chain operations.
• Finance-Grade Non-Custodial Wallets: Multi-signature wallets with role-based approvals, policy controls, and audit-ready visibility. Designed for structured finance workflows, not ad hoc transfers.
• Programmable Approval Policy: Define spend controls and approval routing that apply across fiat and stablecoin operations from one policy engine.
• Global Payment Orchestration & Payroll: Route payouts and payroll across ACH, wire, SWIFT, and stablecoin rails from one approval flow, based on recipient preference and policy.
• Exchange & FX Engine: A conversion layer that routes fiat↔digital asset conversions, with every transaction linked to approvals and ledger context.
• Corporate Cards for Global Spend: Visa-powered cards with programmable spend controls, funded from fiat or digital assets.
• Smart Invoicing & Receivables (AR): Issue invoices across fiat and stablecoin rails, accept payments in preferred rails/currencies, and match settlements automatically to reduce manual AR work.

How it works

1. Create your Reah account (no KYB required). Non-custodial wallets and on-chain treasury workflows go live right away. Complete KYB to activate USD banking and corporate cards.
2. Set your policies. Configure approval workflows, spend controls, and role-based permissions that apply across banking and wallet operations from one policy engine.
3. Execute from one system. Run payments, payroll, AR invoicing, and treasury operations across fiat and stablecoin rails.
4. Reconcile and report. Every transaction hits the unified ledger automatically. Generate accounting-ready outputs and reconciliation context for faster, cleaner month-end close.
5. Ask Copilot, automate with Canvas. Ask Copilot: "What's our cash position across fiat + stablecoins?" Then use Canvas to automate recurring workflows under approvals.

Deal

Save up to $2,000 with 3 months of free Pro membership and enjoy competitive rates on on/off-ramping, swaps, bridges, and onchain yield.