When Offramp set out to unlock financial access in LATAM, they weren’t thinking small. The crypto-native company saw stablecoins not as an end, but as a gateway—one that could give users in emerging markets real-world utility and global reach. So they turned to Rain to help bring that vision to life, launching an international Visa card that makes it easy to use digital assets wherever Visa is accepted. We sat down with Tobias Frieder, Head of LATAM and Growth at Offramp, to hear how they’re making crypto practical—and why card-based payments are central to their strategy.
Tobias Frieder: Offramp’s mission is to offer first-world banking solutions to users in emerging markets. When someone opens an Offramp account, they get access to an international Visa card that allows them to use crypto and stablecoins anywhere Visa is accepted.
We believe that stablecoins are a powerful tool to globalize the economy and promote equitable access to financial opportunities. With Offramp, users can open an account, receive international payments as freelancers, send funds back home as expats, and even access investment opportunities in US stocks and bonds.
Tobias: I wouldn’t say that we chose Latin America, I would say Latin America chose us. We launched Offramp globally about a year ago, and people began recommending it and using it through word of mouth. It grew organically. People from all over the world started using Offramp to access their stablecoins, but Latin America quickly became our main region. So we decided to double down.
It actually makes a lot of sense. The region faces high inflation, weak local currencies, and limited access to credit and investment options. Stablecoins offer a way to protect value, and Offramp helps people put that value to work—whether they're freelancers getting paid internationally, people sending remittances, or everyday users looking for better ways to manage their money.
Tobias: We're seeing two main use cases:
Tobias: We launched the card program because we believe payments are not the last step of crypto adoption—they’re the gateway.
If we want crypto to reach the next billion users, especially in emerging markets, it needs to go beyond being just a savings vehicle or speculative tool. People need to be able to pay for things like coffee, groceries, or a bus ticket—simply and instantly.
We see the card as the tool that makes crypto useful and accessible in daily life. It also closes the circle for crypto-native users who are already buying, trading, borrowing, earning, and tokenizing onchain—but still can’t make everyday purchases. Now they can.
Tobias: We chose Rain because of their strong technology and clear commitment to long-term partnership.
From the start, they made the process of launching our card program seamless. Their platform gave us the flexibility and speed we needed to serve users across emerging markets, something that was critical for us.
What really set Rain apart was the level of support. Their team felt like an extension of ours, helping us navigate complex requirements around compliance, user experience, and regional nuances.
They also move fast. In an industry where vendors can be slow to adapt, Rain was responsive to feedback and quick to iterate. That agility has made a huge difference, it feels like a genuine partnership.
Tobias: We’re always working to improve the user experience, and we have a lot of new features and upgrades coming in the next month.
We’re launching improved mobile apps for iOS and Android, working on fiat deposits in several markets and currencies, and expanding our savings and investment products. We’re also rolling out loyalty features like referral programs and cashback. And that’s just the beginning.
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Want to build your own card program?
With big plans for mobile, fiat deposits, and loyalty features, Offramp is just getting started. And Rain is proud to power the rails behind the scenes—helping Offramp move fast, stay flexible, and make stablecoins spendable across borders. If you're ready to turn your crypto use case into a card program your users actually want, Rain’s here to help you build it—fast, global, and onchain.
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