HONG KONG, Nov. 5, 2026 /PRNewswire/ — Reap, a global financial technology company that enables financial connectivity and access for businesses worldwide through stablecoin-enabled infrastructure, has signed a memorandum of understanding (MOU) to explore a strategic collaboration with Meitu's EveLab Insight, a provider of international skin analysis solutions and publisher of the MakeupPlus app, together with Pivota, a global commerce technology company that connects AI applications with merchants and payment infrastructure.

The agreement would connect personalized consumer experiences with the checkout experience through Reap's agentic payments solution. It aims to bring personalized, AI-assisted shopping experiences to beauty consumers, helping them move seamlessly from product discovery toward merchant checkout and payment.

The collaboration is exploratory at this stage: the MOU signals intent rather than a commercial launch, and the announcement describes a proposed flow with no deployment timeline or participating merchants named. It sits within agentic commerce, a model in which AI applications handle more than product recommendations — carrying selections through merchant evaluation and payment — spanning the commerce decision and execution layer Pivota describes itself as building and the agent-initiated card payments Reap's service is designed to process under user-approved mandates.

Under the proposed flow, a shopper would receive a skin and beauty analysis through MakeupPlus and, with the shopper's consent and based on their preferences, be presented with relevant recommendations. Pivota would then assess suitable products, merchants, and purchase channels, taking into account factors such as price and availability, while Reap would handle the checkout and order confirmation through supported integrations.

The shopper would remain in control of the purchase at every step. Where required, they could review the payment details and approve the transaction via a secure passkey. Reap's agentic payments service is designed to support agent-initiated card payments under user-approved mandates, with payment credentials, spending controls, and transaction records.

"AI is getting very good at helping people find what they want. Paying for it is still where the experience breaks down," said Daren Guo, Co-Founder of Reap. "Reap's agentic payments are built to close that gap, and they're part of our vision to reimagine how people pay. We want to make the last step simple and safe, so an agent can complete the purchase within parameters approved by the consumer. With EveLab Insight, we want to show how AI-led discovery and payments technology can come together in one seamless shopping experience."

"We're excited about the opportunity to explore potential practical use cases that could demonstrate how AI can make beauty discovery more personal and useful. Personalization should help people discover products that feel right for them, including things they may not have thought to search for," said Zha Xi, CEO of EveLab Insight. "Beauty is especially suited to this because individual preferences matter so much. Exploring how AI-led discovery can connect with a smoother path to purchase could make the experience feel more relevant and useful to shoppers."

"A good shopping experience is not just about finding relevant products; it is about helping customers act on that recommendation when they are ready to buy. Pivota helps evaluate the relevant products, merchants and purchase channels based on factors such as availability, price and transaction feasibility. Together with EveLab Insight and Reap, we are exploring how that can make personalised beauty shopping more seamless, while leaving the customer in control of the purchase," said Peng Xu, Founder and CEO at Pivota.

Beauty shopping can inspire a purchase long before a shopper knows exactly what to look for. By linking EveLab Insight's personalized recommendations to Pivota's product and merchant capabilities, and carrying the shopper's choice through Reap's payment infrastructure with their approval, the collaboration aims to enhance the overall shopping experience. If deployed, consumers could discover products they might otherwise miss, while the partners could gain a practical way to bring agentic commerce from recommendation to checkout. Whether the exploration advances from MOU to a live experience, and which merchants and purchase channels would be involved, has yet to be detailed.

About EveLab Insight

EveLab Insight provides AI skin analysis, high-resolution imaging, and beauty-tech solutions for spas and global skincare brands. Developed and published by EveLab Insight, MakeupPlus is an AI-powered portrait makeup camera and photo-touchup app for iOS and Android. It enables users to try on makeup virtually using real-time AR, alongside tools for skin and facial-feature retouching.

About Pivota

Pivota is building the commerce decision and execution layer for AI agents, connecting AI-powered applications with merchants and payment infrastructure to turn product discovery into real transactions. Its platform enables intelligent product and merchant selection, acceptance intelligence, checkout and payment routing, and order execution through integrated partners. Pivota does not hold or transfer customer funds or provide financing.

About Reap

Reap is a global financial technology company that enables financial connectivity and access for businesses worldwide through stablecoin-native infrastructure. Its mission is to transform the financial landscape into a more interconnected space for efficient money movement by merging traditional finance with digital assets, bridging disparate economies and connecting key financial markets.

Reap was an early leader in Asia to incorporate stablecoins into its solutions and now processes billions in stablecoin-funded transaction flows, reflecting the rapid adoption of stablecoins by businesses globally. From stablecoin-enabled corporate cards to cross-border payments, the company streamlines financial operations and empowers companies to scale with integrated business accounts and embedded finance solutions.

In 2026, Reap was acquired by Payward, the parent of Kraken, in one of Asia's largest fintech exits, joining one interoperable stack spanning trading, custody, payments, lending, onchain finance, and benchmarks.

Founded in 2018 in Hong Kong, Reap now employs 300 people worldwide. More information about Reap can be found at reap.global.

Source: Chainwire