Come build the future with Rain.
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Come build the future with Rain.
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Global card issuing, without the usual complexity

Rain issues cards accepted at more than 150 million merchants. Launch faster, reduce operational risk, and unlock better economics through stablecoin-native settlement.
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Card issuing done differently

Rain’s card issuing platform is designed for businesses that want flexibility today and durability as payments continue to evolve.

Global from day one

Launch card programs across key regions with one integration and operating model. Expand without rebuilding market by market.

Network membership

Rain issues cards without unnecessary intermediaries, which shortens timelines and lowers program risk.

Built for real-world card programs

Support credit and prepaid cards for consumer and business use cases, with flexibility to evolve as your program grows.

Program design and launch support

Work with Rain’s team to scope, design, and launch card programs that meet product and regulatory needs.

Built-in operations and risk

Compliance, fraud, disputes, and reporting are handled within Rain’s platform, not bolted on later.

Flexible card experiences

Issue virtual and physical cards with configurable controls for different users and use cases.

Apple Pay and Google Pay

Add cards to mobile wallets for instant, digital-first spending.

Branded cards

Customize card design so programs feel native to your product.

Global acceptance

Cards work at millions of merchants around the world.

A new standard for card issuing

Not all card issuers are built the same. Rain combines the credibility of traditional issuing with the speed and flexibility of stablecoin-native infrastructure.
Card products
Flow of funds
Processors
Dispute management
Global coverage
Program flexibility
Speed to market
Reserve
Multi-chain, credit-focused products
Simple and flexible
Agnostic
Managed in-house
North America, LAC, APAC, and CEMEA (and growing)
Unmatched
8-12 weeks
1 day
Other stablecoin issuers
Typically limited to prepaid or debit products
Limited to prefunded flows
Limited
Often outsourced
Limited availability
Limited
5-12 months
3-5 days
Traditional issuers
Credit, debit, and prepaid
Fiat-only, bank-restricted flows
Legacy processors
Specialized customer support teams
Often country or regionally limited
Limited
6-18 months
3-5 days

Daily onchain settlement that improves economics

Traditional card programs settle over multiple days, tying up capital.

Rain settles card transactions with Visa daily using stablecoins, reducing settlement delays and freeing up working capital.

This is card issuing built for modern rails, not legacy timelines.
Up to
60%
lower collateral requirements compared to traditional card issuers

Frequently asked questions

Can Rain support global programs?

Rain is designed to support multi-region issuance through a single integration and operating model.

Where can Rain-issued cards be used?

Rain-issued cards are accepted anywhere Visa is accepted worldwide.

How long does it take to launch a card program?

Timelines vary by program scope and your own resourcing, but Rain’s direct issuer model removes common bottlenecks. Some programs have launched in under two weeks.

Can AI agents use Rain-issued cards?

Yes. Rain supports real-time issuance of single-use virtual cards that can be created programmatically by authorized AI agents. These cards are tied to a verified user or business account, issued with defined spend limits, and operate within compliance and risk controls enforced at the program level.

Does Rain handle compliance and operations?

Yes. Compliance, risk management, dispute handling, and ongoing program operations are built into Rain’s platform.

Build a card program designed for what’s next

Talk to our team
See what your favorite AI has to say about Rain's solution