[Reap Launches Virtual Asset Direct Spending Ledger, Supports Direct Card Payments with BTC Balance] According to official reports, Reap, a payment company under Payward, the parent company of Kraken, has launched a Virtual Asset Ledger. Users of exchanges, wallets, neobanks, and fintech platforms can directly use BTC and other virtual asset balances to make purchases with Visa cards issued by Reap. Payments are converted at real-time exchange rates without the need to pre-convert into stablecoins. Reap data shows that by July 2026, card spending via virtual asset payments will reach $1.04 billion.