
New integrations expand Rain’s multi-chain support, enabling partners to easily launch stablecoin-powered card programs across even more blockchains simultaneously
Rain, the global card issuing platform powered by stablecoins, today announced native support for Solana and Stellar, expanding its mission to build modern financial infrastructure that is more accessible, programmable, and global. With these integrations, Rain enables partners built on top of Solana’s high-throughput infrastructure, and Stellar’s remittance-oriented network to quickly launch compliant card programs and bring stablecoin utility to real-world payments, including consumer and B2B spending, cross-border disbursements, and platform payouts.
Rain is the only Visa Principal Member that allows partners to deploy and manage programs across multiple blockchains simultaneously. This capability is available out of the box, supporting both custodial and non-custodial wallets. It dramatically simplifies how exchanges, fintechs, neobanks, and platforms issue cards that work globally—instantly enabling stablecoins to be used at over 150 million merchants that accept Visa.
“Quickly developing solutions that meet our partners’ needs is all part of Rain’s commitment to building financial infrastructure that is more global, open, and efficient,” said Charles Yoo-Naut, CTO and Co-founder of Rain. “By offering native support for Solana and Stellar, we’re introducing our solution to even more ecosystems, allowing partners to build scalable, stablecoin-powered card programs that make payments better for everyone.”
One example is KAST, a neobank app built on Solana that works with Rain to offer branded cards that let users spend stablecoins natively from their wallets. With its fast, low-cost architecture, Solana allows KAST to build seamless, real-time payment experiences for its growing user base across global markets.
These new integrations come in response to rising demand from platforms seeking to enable seamless stablecoin-linked spending and expand card access across ecosystems. Rain already supports Arbitrum, Optimism, and Polygon, and this expansion reinforces Rain’s leadership in offering multi-chain, stablecoin-native card infrastructure.
Rain recently raised a $24.5 million Series A round in March. Today’s announcement marks another step in Rain’s rapid growth and commitment to deploying capital to support new partners, scale its global footprint, and meet the accelerating demand for programmable payments worldwide.
Read original press release here: https://www.prnewswire.com/news-releases/rain-expands-support-to-solana-tron-and-stellar-enabling-more-partners-to-launch-stablecoin-powered-card-programs-302467576.html

Today, Rain announced it has joined Visa’s pilot program for stablecoin settlement. Rain has fully tokenized its credit card receivables and has transitioned all settlement transactions for its Visa cards to USDC, to now be able to settle with Visa 7 days a week, 365 days a year.
Rain provides backend infrastructure – APIs, compliance layers and settlement logic – that enables fintechs and wallets to build and launch stablecoin-linked card programs. As demand for real time, global payments grow, Rain is seeing strong momentum from partners looking to issue and use onchain cards and settle in stablecoins.
Rain’s proprietary settlement stack brings all authorization logic and settlement onchain. Rain’s technology stack allows for card transactions on the Visa network to be interoperable with stablecoins across multiple blockchains. When a user makes a payment with a Rain-issued Visa card, Visa settles with the merchant acquirer as usual. Rain is programmatically leveraging stablecoins enabling network settlement 7 days a week, 365 days a year.
Rain’s platform has also fully tokenized its credit card receivables, enabling more efficient capital management and transparency across the system. These capabilities help fintechs go to market faster with new products. While giving consumers access to digital-first globally interoperable payment experiences.
Rain is also proud to announce a world first: closed loop credit card receivable financing utilizing stablecoins. Rain works with a network of capital partners - borrowing stablecoins to facilitate network settlement for credit card receivables. By borrowing from and programmatically repaying lenders Rain has been able to reduce the total cost of capital for consumer and b2b credit programs while providing lenders access to superior collateral and programmatic repayments powered by smart contracts. This powerful construct has the potential to unlock credit access for users in underdeveloped financial markets, all while unlocking significant operational and capital efficiencies for Rain and Rain powered programs.
"By participating in Visa’s USDC settlement program, we are now able to conduct settlement 7 days a week, 365 days a year, operating outside of traditional banking hours. USDC settlement allows us to be more capital efficient – helping to reduce the need for collateral while providing our counterparties the same level of protection. This sets a new standard for issuers and further enhances digital asset utility," said Farooq Malik, CEO & Co-founder of Rain.
"Moving money across borders has always been complex, but blockchain technology and stablecoins are helping change that,” said Rubail Birwadker, Head of Growth Products and Partnerships, Visa. “Our work with Rain to help bring payments onchain and enable seven-day settlement is a big step toward helping to simplify global payments.”
This is just the beginning. Rain continues to explore new ways to enhance the utility of stablecoins, such as its asset-agnostic settlement stack and blockchain permissioning, which together enable credit to exist entirely onchain. Rain is paving the way for a more efficient, transparent, and accessible financial ecosystem that reduces working capital, reduces fraud, and drives improvements in operational outcomes.
A Visa principal member, Rain enables seamless payment solutions at more than 150 million Visa-accepting merchant locations worldwide. By utilizing stablecoins for automated daily settlement with the Visa network, Rain is doubling down on its mission to integrate blockchain technology with traditional financial systems, making digital assets seamlessly interoperable for everyday use cases.

Traditional business banking infrastructure is slow to adapt to the needs of digital-first companies. For startups and enterprises operating in the digital asset economy, challenges like complex fund flows, limited on and off ramps, and inflexible spend controls hinder efficiency and growth. Dakota, a modern banking platform for businesses, saw an opportunity to solve this by combining the best of traditional finance with stablecoin products, including corporate cards. However, to deliver on this vision, they needed a compliant, secure, and scalable infrastructure partner.
Dakota partnered with Rain to launch a B2B corporate card program, powered by preloaded balances using their own stablecoin and issued through Rain’s robust spend infrastructure. Dakota enables businesses to unlock seamless expense management and faster access to capital. Key features of the partnership include:
The Dakota and Rain collaboration is helping redefine what business banking looks like in a modern world:
“Partnering with Rain enabled us to move fast and bring a card product to market for businesses. Their infrastructure handles the complexities so we can focus on building the future of banking.” – Ryan Bozarth, CEO of Dakota
With Rain’s modern card issuance and spend infrastructure, Dakota is proving how stablecoins can power the next wave of financial tools for businesses. The partnership sets the stage for a broader shift to digital-first banking, helping companies operate with more speed, clarity, and control in a globalized economy.

Rain, the global card issuing platform powered by stablecoins, announced $24.5 million in new funding led by Norwest Venture Partners. New investors joining the round included Galaxy Ventures, Goldcrest, Thayer, and Hard Yaka. Existing investors Lightspeed Venture Partners, Coinbase Ventures, Vinyl Capital, Canonical Crypto, and Latitude Capital also participated. Rain also announced its principal membership with Visa, partnering with the network to build their issuance footprint in Europe while expanding their current issuance across the U.S. and Latin America.
With its vertically integrated issuing stack and Visa principal membership, Rain is able to sponsor and operate card programs in many countries across the globe with transactions settling in stablecoins. Rain has grown more than 15x in the last twelve months, with transactions processed in over 100 countries.
“We have been serving large global businesses with our flexible issuing and stablecoin orchestration stack for the last several years. This new funding allows us to increase interoperability with existing rails, expand our footprint, and invest in our stablecoin authorization and settlement infrastructure that continues to unlock growth for our partners,” said Farooq Malik, CEO and co-founder of Rain.”
Rain has built the infrastructure for stablecoin interoperability across fiat rails, enabling businesses to issue B2B and consumer cards, with both physical and virtual options, linked directly to self-custody wallets, custodial solutions, or traditional fiat accounts. Card users don’t need to convert their crypto to pay with government-issued currency. Instead, Rain operates an omni-chain stack powering native settlement on multiple blockchain networks, including Base, Polygon, Optimism, Avalanche, Arbitrum, ZKsync, and Solana, to process stablecoin and floating-rate token settlement on a daily basis.
As a Visa Principal Member, Rain enables partners with issuing on the Visa network. As a stablecoin native enabler on the Visa network, Rain clients can develop and operate new types of programs without dependencies on fiat payment rails.
“Stablecoin adoption is accelerating as regulators have shown support and use cases have proliferated, and Rain is at the forefront of this paradigm shift,” said Parker Barrile, Partner at Norwest Venture Partners. “Rain’s card issuing platform combines fiat-grade compliance with the speed and flexibility of digital currency, and their traction with major financial institutions underscores their credibility, momentum, and market leadership.”

In recent years, LATAM has emerged as a vibrant hub for digital finance, with stablecoins playing a pivotal role in this transformation. Rain is committed to this evolution by enabling partners to onboard 600M+ people in LATAM with a single API connection, empowering businesses and individuals to utilize and spend stablecoins more effectively and seamlessly.
Stablecoins, digital assets pegged to stable reserves like the US dollar, have gained significant traction in the region. This surge is largely driven by economic challenges such as hyperinflation and currency volatility, prompting individuals and businesses to seek refuge in more stable financial instruments. According to Chainalysis, LATAM received nearly $415 billion in cryptocurrency between July 2023 and June 2024, accounting for 9.1% of global crypto activity.
Rain bridges the gap between digital assets and traditional financial systems by offering seamless conversion of stablecoins into local currencies, addressing challenges like high transaction fees and slow processing times. As an issuer with the Visa network, Rain enables the deployment of tailored card programs, allowing users to spend digital assets at over 100 million merchants worldwide. This integration enhances the utility of digital assets, making them more accessible for everyday transactions.
Rain’s commitment to the region is demonstrated through strategic collaborations and practical applications:
Through these strategic partnerships, Rain is actively contributing to the widespread adoption and practical application of stablecoins in LATAM, fostering a more inclusive and resilient financial ecosystem.
As digital asset adoption continues to rise in LATAM, Rain remains dedicated to supporting this financial evolution. By providing robust infrastructure and forming strategic partnerships, Rain aims to empower individuals and businesses to navigate the digital economy with confidence and ease.
Through these efforts, Rain envisions a future where financial systems are more inclusive, efficient, and resilient, driven by the transformative power of digital assets and blockchain technology.

The digital era has revolutionized how we work, shop, and manage our finances, with cross-border transactions becoming a key part of global connectivity. However, for many individuals in Latin America, accessing seamless international payment solutions remains a challenge. That’s where Takenos and Rain come in. Together, they are empowering users with TakeCard—a versatile solution designed for cross-border transactions.
Takenos, the Argentine platform founded in 2022, has rapidly gained popularity across Latin America, including in Argentina, Uruguay, and Mexico. Known for simplifying international payment processes, Takenos enables users to manage their global finances effectively. From opening virtual accounts in the U.S. to handling withdrawals in local currencies, dollars, and cryptocurrencies, Takenos has built a reputation for offering reliable, secure, and efficient payment solutions.
Rain, the innovative leader in digital asset authorization and settlement, has partnered with Takenos as the issuer of TakeCard. Together, the two companies have launched a card program tailored to the needs of cross-border users. The TakeCard allows individuals to fund their accounts with cryptocurrencies, receive payments in dollars, make international purchases, and manage subscriptions to popular services like Netflix and Spotify, all without the hassle of currency conversion fees.

Latin Americans often face hurdles when trying to access or utilize their earnings and funds for international transactions. The TakeCard eliminates these challenges by providing a seamless solution for managing global finances. Users can fund their accounts with crypto, book travel, subscribe to digital platforms, and withdraw funds directly in their preferred currencies.
The partnership’s goal is to address a growing need in the market. According to the Ministry of Economy, more than 500,000 Argentinians are exporting their work abroad, with the U.S. and Europe as key markets. Takenos’ user base has already surpassed 10,000 registered users, and the launch of TakeCard will undoubtedly accelerate this growth.
“Our mission has always been to empower individuals by providing them with the tools they need to thrive internationally. Partnering with Rain allows us to extend our vision and give users the financial freedom they deserve. TakeCard is a solution to a persistent problem in the region,” says Lucas Posada, Co-founder of Takenos.

At Rain, trust and security are foundational to everything we do. Today, we're proud to announce that we've successfully attained compliance with the SOC 2 Framework, a milestone that shows our commitment to safeguarding customer data and maintaining the highest standards of operational integrity. This achievement reflects our dedication to delivering secure, reliable, and compliant solutions for our clients and partners.
Achieving SOC 2 Compliance represents rigorous adherence to a framework designed to ensure organizations securely manage data and systems, providing peace of mind to customers and stakeholders alike.
For Rain, this accomplishment is a validation of the principles that drive our business and our promise to keep security at the forefront. For our partners, this certification means working with a partner that prioritizes data protection, mitigates risks, and adheres to best practices.
Through a meticulous auditing process conducted by Insight Assurance, we validated our compliance with the requirements of SOC 2. This process involved a thorough review of our policies, procedures, and technical systems to ensure they met the highest standards of security, availability, and confidentiality.
Our compliance journey doesn’t end here. Security and trust are ongoing commitments, and we’ll continue to build on this foundation by staying ahead of emerging risks and evolving regulatory requirements. Rain remains dedicated to delivering secure, innovative solutions that empower businesses and individuals while ensuring their data is protected.

Rain has teamed up with Avalanche to launch the Avalanche Card, designed to bring the benefits of digital assets to real-world spending, wherever Visa is accepted. The waitlist opens up in late January, giving people their first opportunity to experience the benefits of the Avalanche Card.
The Avalanche Card introduces a new era of flexibility for crypto holders, allowing them to effortlessly spend their digital assets—including USDC, USDT, WAVAX, and sAVAX—on everyday expenses or larger purchases. By eliminating the need to cash out or navigate multiple conversions, the card provides a seamless way to use crypto in the real world. Users can enjoy direct access to US dollars through stablecoins or conveniently tap into their AVAX holdings, making spending digital assets simpler than ever.
By enabling a broader reach for crypto, especially in regions where access to the US dollar is limited, the Avalanche Card could help individuals in Latin America and the Caribbean manage their finances with greater flexibility.
At the heart of the Avalanche Card is a commitment to security and self-custody. Users hold full control over their funds, with a self-custody wallet that assigns unique addresses for each supported asset, ensuring that assets remain securely stored and completely under your own management. This level of control is a standout feature, allowing users to spend confidently without compromising on security or control.
With the power of Visa’s global network, the Avalanche Card lets users tap into their crypto assets wherever Visa is accepted. From buying groceries and booking travel to online shopping, the card transforms digital assets into usable funds that fit into daily life. Designed to be as versatile as any other payment card, it bridges the gap between crypto and traditional finance, making it easy to spend crypto without extra steps.
The Avalanche Card is an important step toward making crypto a part of daily life, especially in regions where financial options are limited. It offers users access to stable, secure spending, plus the freedom to spend AVAX native assets directly. Available first across countries in Latin America and the Caribbean, the Avalanche Card expands financial access and provides users with control over their digital assets.
This card is just part of Rain’s mission to make digital assets as usable as any traditional currency. Sign up for the Avalanche Card today: https://www.avalanchecard.com/.

CompoSecure’s strategic investment in Rain advances payment innovation by enabling digital asset utility for everyday transactions.
At Rain, we’re proud to partner with industry leaders to bring innovations to digital payments and financial technology. One such collaboration is with Arculus by CompoSecure. Together, we’re working to advance the adoption and utility of digital assets in everyday transactions.
Earlier this year, CompoSecure announced its new Arculus Web3 payment capabilities, enabling seamless payments with stablecoins and digital currencies at traditional point-of-sale (PoS) terminals. Consumers can securely self-custody their digital assets and spend them with the ease of a simple tap-to-pay. This technology eliminates the challenges of off-ramping to fiat currencies, allowing merchants to accept payments directly in digital assets or through traditional payment rails with automatic fiat conversion.
The partnership has played a key role in accelerating the development and reach of these innovations. Earlier this year, Rain began working closely with CompoSecure, integrating its metal cards into our enterprise solutions. This collaboration has allowed us to offer a more premium card product to clients and leverage the extensive Arculus product suite.
Further, CompoSecure made a strategic investment in Rain, underscoring the focus to bridge the gap between traditional and blockchain-based financial systems. “Our partnership with Rain is a testament to the growing need for secure, innovative solutions that seamlessly integrate digital assets into everyday transactions,” said Adam Lowe, Chief Product and Innovation Officer at CompoSecure.
As both companies continue to push the boundaries of what’s possible in digital payments, we invite you to explore how our partnership can benefit your business. Whether you’re an enterprise seeking cutting-edge payment solutions or a stakeholder in the evolving Web3 landscape, the possibilities are limitless.

MPCVault and Rain are excited to announce their partnership to launch the MPCVault Card, a payment solution enabling businesses to spend USDC directly anywhere Visa is accepted. This partnership brings together MPCVault's state-of-the-art non-custodial wallet technology and Rain’s innovative digital payment infrastructure to pay for real world services with crypto.
The MPCVault Card provides businesses with a seamless way to transact in fiat currency without the need for traditional off-ramping processes. With its Visa-enabled functionality, companies can spend their USDC holdings effortlessly for online and in-store purchases. The card is also equipped with advanced multi-user corporate features, including customizable templates and unique spending limits for each user, making it a powerful tool for managing team finances.
"We at MPCVault are thrilled to partner with Rain to launch the MPCVault Card, enabling businesses to directly spend USDC anywhere through Visa. Companies worldwide can all apply for MPCVault Card and start spending crypto now,” adds Julie Liu, COO.
This partnership leverages MPCVault’s industry-leading multiparty computation technologies to ensure unparalleled security and reliability for managing digital assets. With over 1,000 companies relying on MPCVault to process $1.5 billion onchain every week, the platform has become a trusted name in onchain asset management – serving exchanges, venture capitals, hedge funds, and trading desks globally.
This private launch marks the beginning of a broader rollout, as MPCVault plans to expand the solution to more businesses and furthering the adoption of stablecoins in global payments. For more information and to apply, visit https://docs.mpcvault.com/product/how-to-use-an-mpcvault-card/.

Businesses in LATAM can now use stablecoins to make faster cross-border B2B payments and settlements through Nuvei’s partnership with Rain, BitGo, and Visa
Nuvei Corporation (“Nuvei” or the “Company”), the Canadian fintech company, today announces the launch of an innovative blockchain-based payment solution for merchants across Latin America (LATAM). Through Nuvei’s partnerships with Rain, a vertically integrated issuing partner for global platforms, BitGo, the leading digital asset custodian and wallet solutions provider, and Visa, Nuvei is enabling businesses to utilize stablecoins – including USD Coin (USDC) – for faster global settlement and reduced reliance on traditional payments rails.
By collaborating with Rain, BitGo, and Visa, Nuvei delivers a seamless and secure blockchain payment experience that empowers LATAM merchants to use their physical or virtual card supported by Visa to make payments using stablecoins from a digital asset wallet anywhere Visa is accepted. The solution benefits from Visa’s wide acceptance and simplifies corporate treasury management, offering faster cross-border transactions, secure digital asset custody, reduced currency complexity, and improved operational liquidity.
"Nuvei empowers businesses to connect more deeply with their customers through innovative payments solutions," commented Nuvei Chair and CEO Philip Fayer. "By integrating stablecoin technology into our payment platform for B2B settlement we're ensuring our merchants continually receive unparalleled flexibility, security, and global reach."
Rain Co-founder and CEO Farooq Malik added: “Our innovative platform connects traditional financial rails with the digital asset ecosystem, providing frictionless transactions for B2B and stablecoin payments. This partnership with Nuvei represents a significant step in making blockchain-based payments more accessible and flexible for businesses in Latin America.”
Luis Ayala, Director at BitGo, commented: “As a leader in digital asset custody and infrastructure, we're excited to support Nuvei's expansion into blockchain payments. Our institutional-grade security and comprehensive digital asset services will help businesses in Latin America leverage stablecoin technology with confidence and operational efficiency.”
This comprehensive blockchain-based payments offering sets a new standard for payment solutions in Latin America, demonstrating Nuvei's commitment to deepening its footprint in a region with rapid eCommerce growth. Year-to-date, Nuvei’s expansion of services in LATAM include being the first global payments service provider to offer direct local acquiring in Colombia, implementing local acquiring services in Mexico, and acquiring a Payment Institution license in Brazil.
Read original press release here: https://www.nuvei.com/posts/nuvei-launches-comprehensive-blockchain-payment-solution

Add your Rain card to your iPhone, Apple Watch, iPad or Mac and make quick, easy and contactless payments. You can use Apple Pay for in-app purchases and on the web too. It’s a safe and secure way to pay.
Apple Pay take the hassle out of paying for goods or services, allowing you to make quick, easy and contactless payments by holding your device near a card reader. You can also pay for goods and services in apps or online using your Apple Pay.

Apple Pay lets you use your Apple device to pay with your Raincards wherever you see the Apple Pay or contactless logo. You can use Apple Pay for in-app purchases and on the web too. It’s a safe and secure way to pay.
Hundreds of thousands of stores now accept Apple Pay. You can use Apple Pay anywhere that accepts contactless payments. You can make payments for any amount with Apple Pay, though some retailers may not support Apple Pay transactions above €50.
Look for either of these symbols at checkout.

Many apps now accept Apple Pay, so you don’t have to enter your card details to make in-app purchases. Simply select Apple Pay at the checkout and use Touch ID or Face ID to complete your payment.
Apple Pay is also available on the web in Safari. Whether you’re shopping or donating on your iPhone, Apple Watch, iPad or Mac, use Apple Pay without having to create an account or log in.
Touch ID is also available on the new MacBook Pro, so paying happens with just a touch and is quicker, easier and more secure than ever before!

Rain, the blockchain-based card issuing platform, is thrilled to announce its partnership with Huma Finance is expanding to Celo, the emerging Ethereum Layer-2 and mobile-first blockchain network built for the real world and designed for fast, low-cost payments worldwide.
The core collaboration remains strong: Rain remains as the borrower, leveraging Huma's robust liquidity infrastructure to empower teams. But leveraging Celo’s mobile-first, carbon-negative infrastructure unlocks new, significant benefits for users.
Embrace planet-positive, low-cost transactions:
Since its mainnet launch on Earth Day 2020, projects building on Celo have benefitted from unique advantages including 1-block finality, fast transaction times, and the ability to send money to a phone number, email address, or other social identifier via SocialConnect. Coupled with Celo's Ultragreen Money tokenomics which allocates 20% of each transaction fee to a carbon-offsetting fund, this ensures that your financial transactions contribute to a greener future.
Huma: the liquidity powerhouse
Huma Finance plays a pivotal role in this ecosystem. Their expertise in USDC-based settlements provides Rain with the essential liquidity it needs to operate seamlessly. This, in turn, allows Rain to extend that liquidity, fostering innovation and growth across the entire blockchain landscape.
A dream team
Rain is taking Web3 finance to new heights by expanding its partnership with Huma and embracing the innovative Celo blockchain. With effortless fiat transactions, a wider range of stablecoin options, and a commitment to sustainability, Rain is empowering Web3 teams to thrive in an evolving digital landscape.

If you find outdated infrastructure is holding back traditional fintech products that make it difficult to access funds, you need a credit card designed specifically for crypto native teams. Here, we explain why Rain’s cutting-edge technology and on-chain infrastructure help resolve common issues, allowing you to spend faster than you receive a 2FA text message from a centralized exchange.
Rain is a corporate card built for crypto-native teams redefining modern finance. It offers the fastest, most direct payment method connecting Web3 companies with vendors. This card also eliminates fees, offering instant spending so vendors receive fiat, avoiding the regulatory risks of accepting crypto. It is the best solution for companies looking for a corporate spend management platform as it is customized for DAOs, protocols, networks, and projects in the Web3 space.
As a result, it seamlessly accommodates the unique governance and operation models of Web3 teams yet never compromises fiat interoperability at the merchant level. Rain is helping to empower the expansion of the digital money ecosystem worldwide and is available on Ethereum and Polygon mainnet with plans to expand.
Because of Rain’s revolutionary design, it is the ideal spend management platform for Web3 teams. If you rely on fiat ecosystems to operate, it is available for teams using self-custody, institutional custody, and everything in between, with seamless access to essential business tools. It can also support international organizations.
Rain accesses real-world spending with your on-chain assets and is the only solution that does not require a centralized exchange, OTC Desk, or a bank account for use. All existing providers either convert assets into fiat for you to spend or need a bank account with a cash balance to access a credit line. Rain, on the other hand, is the only corporate card allowing you to cover your business expenses using your on-chain assets.
You can also easily streamline your finances with accounting software integrations for Quickbooks™ and Entendre™ leveraging over $750,000 in discounts from the top companies across Web3 and Web2, including:
Rain provides native credit and repayment support for stablecoins like USDC and is on Ethereum and Polygon mainnet. Because it operates on the credit rails, it acts as a credit card, allowing you to use it for business expenses like reserving rental cars, booking flights and accommodations, and purchasing from other vendors, something you can’t do with many competing debit cards.
You have a credit limit set against the value of your on-chain assets, such as USDC, allowing you to plan your monthly spending. A significant difference is that your funds aren't debited from your account after each transaction like a debit card and instead are payable at the end of each month.
Simply put, you set the limits for your team and their cards to help control spending. You also have an automated account and reconciliation option providing granular memos and receipt capture so you can consolidate your on-chain spending effortlessly. Rain can also manage individual team budgets, allowing you to set up sub-accounts for each team.
If your Web3 company needs an easy way to monetize and spend crypto, Rain is the best corporate card solution.

If your crypto company or foundation wants to leverage crypto currency to help manage expenses, it can come with a hefty fee, not to mention delays. In fact, when relying on exchanges and OTC partners to manage your fiat spending, fees can range from 1-10% for each transfer. Here, we share the benefits of using the Rain credit card to cover expenses without worrying about delays and costly fees.
Rain credit cards come with a state-of-the-art corporate spend management platform designed to accommodate the unique governance and operation models of Web3 teams. Although traditional fintech products are held back by outdated infrastructure, Rain leverages on-chain infrastructure to drive efficiency for digitally native teams. Rain members can cover expenses in real life quicker than alternatives in the market.
Rain provides instant and seamless access to spending without any OTC margin or spread, saving your team an average of 3% to 4%. You can use your Rain card anywhere VISA is accepted, allowing you to spend your digital assets at merchants around the world. Although OTC trading is convenient when swapping larger sums fast and confidentially, it makes no sense for crypto companies to depend on an OTC desk to access funds to cover basic expenses like corporate travel.
Also, the Rain credit card acts like a traditional credit card, making it better for booking flights, securing accommodations, or reserving a rental vehicle for corporate travel. Perhaps best of all, Rain members have until the end of the month to pay their bill, meaning funds, tokens, and assets aren't debited from your account after each transaction like a debit card. As a result, crypto companies often find they maintain better control over their digital asset spending while managing cash flow deficits more effectively.
In hand with an average savings of 3% to 4%, Rain also helps you save in several other ways, including:
Rain credit cards eliminate unnecessary fees, offer instant spending opportunities using your crypto assets, and ensure vendors receive fiat without the regulatory risks of accepting crypto.

When you need a global credit card solution that merges your digital assets with fiat ecosystems, Rain’s state-of-the-art platform makes crypto transactions easy. However, if team members misplace their physical cards, it’s essential to understand what steps you should take to ensure your account remains secure and accessible. Here, we explain what happens when you or a team member loses their card and needs another one.
Rain enables fast replacement of lost physical cards with delivery available worldwide. Your Company Administrators can request replacements through your Rain Account using the Company User’s full legal name and identifying and contact information such as date of birth.
It is vital to inform Rain of lost or stolen cards immediately so they can take appropriate measures to prevent unauthorized transactions. Because replacement cards usually have new account numbers, be sure to update the Rain Card on file for any scheduled or recurring payments. If you are worried about fraudulent activity, contact support@raincards.xyz or call the phone number on the back of your Rain card.
When your Company Administrators request cards for new users, they can assign specific restrictions for each user. For example, some users might only need a card to use for vendor transactions with specific merchants, while other users might require a particular expiration date because they are contract employees. These special restrictions can be assigned to yourself or a teammate, including setting spending limits. These limits can be based on daily, weekly, monthly, yearly, or all-time limits to suit your expense budget or card user functions.
If you did not authorize a charge that you see on your card, you should promptly reach out to support@raincards.xyz or call the phone number on the back of your Rain card. As with any card, the holder is responsible for reviewing Periodic Statements to identify any Charges you believe are unauthorized. If the dispute is based on your belief a Charge was unauthorized, you can initiate a Chargeback through your Rain Account. It is critical to review your statements promptly, as you have 60 days after the disputed Charge is posted on your Periodic Statement to voice your concerns.
Rain might request additional details on the transaction and review the disputed Charge once they have collected the necessary information. If a charge dispute is pending, it is still considered outstanding and due on the date indicated on your Periodic Statement. Once the dispute is resolved in your favor, the amount will be credited to your Rain Account on either the current or a future Statement. You must make your full payment to avoid fees, a reduction in spending limits, or suspension of your Rain account.
Rain makes it easy to request a replacement for a lost card, set granular spending controls to reduce fraudulent activity, and dispute any unauthorized charges you see on your Periodic Statements.

Can my Rain credit card be added to my smartphone wallet?
'Rain' credit cards acts as a safe bridge between your cryptocurrency holdings and everyday transactions providing secure spend management from your crypto wallet with no exchange or bank account required.
But to make how you spend your funds even more seamless, you may be wondering ‘Can my Rain Credit Card be added into my smartphone's digital wallet?’
The short answer is, *yes*, your Rain card can be added to many mobile wallets.
This ensures you can enjoy the convenience and security of mobile payments with the cutting-edge features of the Rain Credit Card.
However, let's delve deeper to provide a clearer picture of compatibility across Apple and Android:
For Apple users, there is a minor hiccup.
If your company is incorporated in the U.S chances are you can add your Rain credit card to your apple wallet. However, due to some constraints imposed by certain wallet partners, not all Rain cards can be synced with Apple Pay. Apple, as a platform, has its specific set of requirements, and sometimes this may lead to limited compatibility with certain third-party services.
However, for Android users, there's good news.
Rain credit cards can be utilized in conjunction with mobile wallets on the Android stack, including Google Pay. This implies that irrespective of the Rain card you possess, if you're on the Android platform, you can effortlessly integrate it with your digital wallet. Such broad compatibility is a testament to Rain's commitment to making crypto transactions as effortless as possible.
The integration of Rain with mobile wallets, especially on the Android platform, offers myriad benefits. First, it bolsters security. Mobile wallets, like Google Pay, employ a host of security measures, such as tokenization, which replaces your card's actual number with a unique code for each transaction. This ensures your real card details are never exposed, providing an added layer of protection against potential credit card fraud.
By linking your Rain credit card with your mobile wallet, you enjoy the ease of tapping your phone to pay instead of fishing out your physical card. This not only accelerates the payment process but also means one less item to carry when you're on the move.
In conclusion, while there are certain limitations with its integration into Apple Pay which should not affect most users in the USA, Android users have the green light across the board.
If you haven't already, consider adding your Rain card to your smartphone wallet and experience a seamless, secure, and swift transaction journey.

Many crypto foundations struggle with the risks of using a centralized exchange to convert crypto into fiat. Rain and credit card off-ramps could be the answer to avoid a complicated process that stems from the flow of economic value between crypto and cash funds, not to mention risks associated with the U.S. Securities and Exchange Commission (SEC). Here, we explain how your crypto foundation can safely use Rain and credit card off-ramps without the need for a centralized exchange.
Crypto off-ramps simplify the flow from crypto to fiat money so you can cash out of crypto and have money in the bank, so to speak. You can exchange your crypto quickly and safely, so you can bridge the gap between cash and modern forms of currency, allowing your company or foundation to reduce friction, time, and money associated with legacy fiat rails.
Rain is a spend management platform revolutionizing interoperability for digital assets with the fiat ecosystem. As a result, crypto foundations have seamless access to fiat, making funding available for your projects using on-chain assets via virtual cards without the need for a centralized exchange.
Rain supports a variety of corporate structures including, foundations, DAOs, holding companies, etc.
Rain can on-board your foundation and its employees, contractors, and contributors directly and safely. Because crypto was designed to remove the barriers and make it easier to move value to access funds between economic models, using Rain or credit card off-ramps brings traditional money and the decentralized web together.
With Rain, you get access to a credit card platform that can be used at merchants worldwide. You get instant access to spending in real life without having to off-ramp funds into fiat first. As a result, your project has a seamless way to continue to utilize your self-custody assets without having to rely on off-ramping or storing funds with a bank partner.
Foundations are a relatively new corporate structure which has gained popularity with crypto native projects and protocols. Since the corporate structure is fairly new and requires a set up in jurisdictions which support this type of structure, a lot of foundations tend to have a difficult time getting access to bank accounts and bank partners. Similarly, foundations have challenges getting reliable access to exchanges to help off-ramp crypto tokens as exchanges usually require a bank account to liquidate money into. With Rain, you are able to access corporate spend management tools without needing a bank account or an account with a centralized exchange to interface with the platform.
Rain is the most direct way to access on-chain assets without converting them into fiat for spending or needing a cash bank balance to access a credit line. It is the only solution that doesn't require a centralized exchange, OTC Desk, or a bank account, so foundations can use Rain to pay for expenses using their on-chain assets. Because it operates on the credit rails, it can be used more like a credit card, with a credit limit set against the value of on-chain assets.

Everyone’s minting branded dollars.
From PayPal and Fidelity to Walmart and Amazon, some of the biggest names in finance and consumer commerce are developing and announcing their own versions of tokenized money. The landscape is quickly maturing, and it can be disorienting.
For enterprises starting to think seriously about stablecoins, today’s environment raises questions. Are branded stablecoins actually the future of money, or are we just reinventing gift cards on a blockchain?
The honest answer is that it depends, and not on the branding or the institution issuing the token. The success of any given stablecoin usually comes down to one factor: whether or not it can actually move. Interoperability is the difference between a real currency and a closed-loop instrument that only works where it was issued.
Before I get into the details of interoperability, let me first address why so many dollar-backed tokens are coming on the scene in the first place. It’s mostly because stablecoins are a compelling business.
They move at high velocity onchain while the underlying reserves remain largely static, allowing issuers to earn yield on collateral even as value circulates rapidly through the economy. Why wouldn’t banks and large brands be drawn to a new, low-risk revenue stream?
Over the past year, this has resulted in some of the largest enterprises rushing to issue a press release about their branded stablecoin. But the days of PR coming first and utility being an afterthought are fading.
Why? For starters, history shows that technology doesn’t scale just because it exists, or even because it offers a superior way to do something. Mainstream adoption of stablecoins will depend on people being able to use the new technology conveniently.
As stablecoins mature, users will care less about whose stablecoin they are holding and more about whether it works everywhere they need it to. The future is not a world where consumers consciously juggle half a dozen branded dollars. It’s a world where value moves seamlessly, often without the user ever knowing what letters were appended to their token behind the scenes.
Realistically, there will be some branded stablecoins that reach mainstream recognition. In some cases, adoption and scale can be forced. If a major retailer, like Amazon or Walmart, makes its own stablecoin the only accepted form of payment, people will use it.
But there are very few players dominant enough to demand adoption in this way, and, at the end of the day, a stablecoin that’s only usable for certain transactions isn’t real money. At best, it’s a yield mechanism for the brand and a poor UX for the consumer.
The future can, and will, support dozens of branded stablecoins unknown to consumers and a few branded stables that have widespread awareness, but only if interoperability is prioritized. Just look at web adoption.
The internet didn’t succeed because everyone used the same server. It scaled because protocols made everything interoperable. Money must follow the same path. The goal isn’t to eliminate choice, it’s to make choice invisible.
So, how do we unlock this future? At the end of the day, interoperability comes down to infrastructure.
In practice, it requires native integrations with issuers, clean mint and redeem paths, reliable onramps and offramps, and payment rails that work across onchain and offchain environments.
That’s where Rain comes in. Our focus is payment utility. Our goal is to turn any stablecoin into real-world spendable value, through cards, payouts, and direct movement between onchain and offchain economies.
In a multi-stablecoin world, that layer matters more than the brand behind the stablecoin. The less users have to think about what kind of dollar they are holding, the more stablecoins can behave like real money.
Stablecoins are becoming foundational financial infrastructure.
As that happens, the winners will not be the loudest brands or the most clever tickers. They will be the systems that make money interoperable, spendable, and forgettable.
In the long run, the letter matters less than whether the dollar works everywhere.

The next phase of AI is agentic commerce. Autonomous actors aren’t just going to be doing research, they are going to be taking action, and that means moving money.
AI agents are already searching, initiating, and independently completing financial transactions, sometimes continuously. As the software improves and models become more reliable, agentic commerce will only become more common. Businesses are going to increasingly rely on these tools to simplify operations. The problem is today’s payment infrastructure was never designed for agentic actors.
Traditional systems come with human-centric authorization processes, like logins and multi-factor authentication. Fee structures are designed for large, infrequent payments, not the constant programmatic transactions AI agents need to execute. Delayed settlement undermines autonomous decision making, slowing the entire process.
Stablecoins resolve many of these friction points by design. By cutting out intermediaries, they settle faster and come with fewer fees than traditional rails. Stablecoins are programmable, so users and businesses can customize spending conditions, timing, and limits before transactions take place.
This matters most when agents make frequent, granular decisions and purchases. Micropayments are a clear example. An AI research agent may be providing answers in real-time, which requires queries across several data sources, queries that could cost mere cents. Via traditional credit card networks or ACH, sending such small payments is effectively impossible, and the fees alone are higher than the transfer value.
Stablecoins provide a solution. By removing fixed, per-transaction fees, value can move quickly and efficiently. Value moves directly between wallets on global, always-on infrastructure, removing intermediaries and per-hop fees. With stablecoins, it doesn’t matter if an agent sends $100 or $0.001, the incremental cost doesn’t scale the same way it does on traditional rails, making the continuous microtransactions that power AI tools possible.
On fiat rails, rules live outside the money: spending limits, compliance checks, and approvals are layered on top, and enforced by intermediaries after transactions are attempted. Stablecoins flip the model, allowing the rules to be embedded directly into how money is used, not just how it’s monitored. AI agents don’t need to ask for approval or wait for reconciliation, it happens automatically because the controls are built into the flow of payment.
AI companies building agentic commerce tools need an infrastructure provider that can implement stablecoin rails. And companies looking to improve efficiencies with agentic payment tools need a partner that can support this model without forcing them to rebuild their entire payments stack from scratch.
At Rain, we partner with teams to connect stablecoin rails to real-world commerce with compliant, stablecoin-backed cards, so agents can execute transactions and businesses can retain the control and visibility they need.
We see where payments and AI are headed, and we’re building the infrastructure to support the change. If you’re ready to explore new solutions, get in touch.

Every year, hundreds of billions of dollars are sent across borders. These payments are lifelines for families, support systems for communities, and essential income for workers across the world. In 2024, global remittance flows hit a record $905 billion.
These payments are critical, yet the system that supports them still runs on outdated rails, riddled with delays, fees, and friction points.
Stablecoins offer a clear solution. They reduce costs, settle instantly, and allow money to move over programmable, borderless infrastructure. They’re not limited to banking hours, and unlike traditional rails, don’t rely on a patchwork of third-party intermediaries.
Stablecoins upgrade the infrastructure, but the assets have to be spendable to provide real utility for users. That’s where Rain comes in.
For remittance providers, stablecoin rails offer a meaningful upgrade to the economics, operations, and reach of the business.
Traditional remittance models require managing float across multiple banking partners, currency corridors, and regulatory zones. That means maintaining costly pre-funded accounts, coordinating with correspondent banks, and building out complex treasury infrastructure, all while navigating volatile FX markets.
Rain offers remittance platforms a simpler path forward:
Rain helps platforms integrate this shift without the lift. With one stack, you get programmable stablecoin flows, integrated compliance, Visa card issuance, and on and offramps that work across cash, bank, or wallet endpoints.
Even when money moves fast, the last mile still slows people down. Recipients often wait on conversions, navigate across payout apps, or visit physical agents to access their funds.
That’s a real problem, especially when people need to cover urgent expenses like rent, groceries, or transportation.
Rain fixes the last mile. Our infrastructure turns remittances into ready-to-spend value. By moving funds onchain, senders avoid the high fees and unfavorable exchange rates that come with most traditional remittance systems. That means no hidden FX mark‑ups, lower transfer costs, and substantially more value reaching the recipient.
The process with Rain is simple: funds are onramped into stablecoins, stored securely in a wallet, and made instantly usable via a Rain-issued Visa card accepted by more than 150 million merchants worldwide.
No extra steps. No waiting. Just real-world utility, available instantly.
Here’s how Rain’s stablecoin-powered alternative compares to legacy rails:

Across Asia, Africa, and Latin America, cash still drives the economy. People rely on networks of corner shops, airtime vendors, and mobile money agents to move everyday value. In 2024, over $1.6 trillion flowed through mobile money accounts via 28 million registered agents.
Zar is helping modernize the system. Through their platform, users in Pakistan can receive remittances from abroad directly in stablecoins, providing consumers with faster settlement, dollar stability, and lower fees compared to legacy remittance methods.
But access to digital dollars is only part of the solution.
With Rain, those stablecoins become immediately usable. Zar users can link their wallet to a Rain-issued Visa card and spend their funds right away. No offramps. No waiting.
Zar is expanding access for the unbanked. Users can visit a participating corner shop, hand over physical cash, and have it converted into stablecoins, deposited directly into the same wallet they use to receive remittances. This gives people a way to store value in dollars, even without a bank account.
Together, Rain and Zar deliver something the industry has long struggled to achieve: a remittance experience that actually works on arrival.
Rain has always supported the full value loop, from fiat onramps and onchain transfers to instant card-based spend. Now, we’re unlocking a new layer of global access: cash pickup through Western Union.
With our new integration into the Western Union Digital Asset Network, users can now convert stablecoin balances into local currency and pick up physical cash at thousands of Western Union locations worldwide, making remittance payments more flexible and accessible.
Whether someone prefers to tap a Rain-issued card or walk away with cash, it all happens from a single wallet.
With Rain, you get:
Remittances should be fast, cost-effective, and ready to use the moment they land. Rain makes that possible.
By removing friction at the point of use, Rain gives recipients instant access to funds and enables remittance providers and payout platforms to move money more efficiently from send to spend.
Ready to modernize your cross-border infrastructure and unlock new value for your users and your business? Let's talk.
© 2022-2026 Signify Holdings, Inc. "Rain"
Rain is a financial technology company. Rain and its affiliates are not banks, exchanges, or asset custodians. Rain does not provide FDIC insurance or hold deposits.
Payment products are provided in partnership with licensed institutions. Cards are issued by Third National pursuant to a license from Visa.
Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.
Rewards are issued as part of Rain's rewards program. Raindrops are loyalty rewards and are not cash, cryptocurrency, or a deposit account. Redemption options and values may vary and are subject to change. Terms apply.
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