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Embedded stablecoin wallets

Rain non-custodial wallets are embedded stablecoin wallets that partners can offer directly inside their apps. They connect a user’s balance to cards, virtual accounts, onramps, offramps, rewards, and payouts, all through one Rain integration.

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Spending Power

$2,784.21

Add

Send

Earn

Payment from Bretagne Equestrian

Jun 10

+$2,400.00

Completed

Toca da Raposa

Jun 10

-$33.65

Completed

Payout to Bank Acc 2210

Jun 9

-$80.00

Completed

Offer the full flow of money from
one wallet, with one partner

A wallet used to be where stablecoins sat. Inside your app, a Rain wallet is the account money arrives in, gets spent from, and moves on from. Every balance is ready to use the moment it lands.

Receive

Wallets can receive stablecoins and fiat payments that land as stablecoins.

Earn

Digital dollar balances can connect out to a network of yield providers and vaults, so funds don't have to sit idle.

3D cube with a pixelated pattern in pastel pink and white colors.

The wallet

Your user holds the keys

Spend

The wallet natively backs a Rain-issued card. The balance is spendable at 175 million merchant locations.

Send

Users can send stablecoins and turn stablecoin balances into local currency in 80+ countries across 50 currencies.

Every balance is a reason to come back

A wallet gives your users a balance in your app. Wired to a card and to money movement, it gives you the ability to embed those services too. A payout received, a purchase, a transfer home: each one brings the user back, and each one is something your program earns on.

Users come back more often

Every payment received, purchase, and transfer happens in your app, not in a separate wallet or bank app.

Your program earns on the activity

Card spend generates interchange, while money movement carries fees you can price for your cardholders.

Balances stay put

When users can spend, send, and earn in one place, their funds have fewer reasons to leave.

Non-custodial, without the usual friction

Every user gets their own wallet inside your app through Rain SDKs. Only they can move what's inside it.

Verifiable security

Keys never leave a secure enclave. The code protecting them is open source, so your security team can verify it directly.

No seed phrases

Users sign in with a passkey or a one-time code sent to their email or phone.

No gas tokens

You choose per transaction whether to sponsor gas, so a user's first transaction works without them ever buying one.

Configurable recovery

Programs can enable backup authentication so users can regain access from a new device.

One balance, ready to spend

Wallet balances connect directly to card programs, enabling seamless spending with Rain-issued cards.

Embedded and fully brandable

Launch wallets directly inside your app. You design the experience. Rain runs the infrastructure under it.

Wallet creation and sign-in with passkeys, email, or SMS

Send and receive across supported chains

Gas sponsorship, set per transaction

Management dashboard and testnet support

Balances and transaction history

Card funding from the wallet balance

Real-time notifications for balance updates and transaction events

Multi-chain by design

Wallets hold USDC, USDT, and other stablecoins, along with other crypto assets on supported networks. You choose the assets and networks that fit your business.

Ethereum

Polygon

Base

Celo

Optimism

BNB Smart Chain

Avalanche

Arbitrum

ZKsync

Monad

Solana

Plasma

Already have a wallet provider?

Keep it. Rain integrates leading wallet providers into a single, embeddable solution.

Frequently asked questions

What are Rain wallets?

Rain wallets are embedded non-custodial stablecoin wallets that partners can offer inside their apps. They connect directly to Rain cards, virtual accounts, onramps, offramps, rewards, and payouts.

What does non-custodial mean here?

Only the end user can move funds. They hold the keys, and neither you nor Rain can sign on their behalf.

Can Rain access user funds?

No. Keys exist only inside a secure enclave with no extraction path, not for Rain and not for the infrastructure provider’s own employees. Rain holds only the narrow permissions you define.

What if a user loses their device?

Recovery is configurable per program, so email or passkey re-authentication restores access. There's no seed phrase to lose.

What if we want to leave?

Keys export in full. Your users' wallets are theirs, not the platform's.

Do users need gas tokens?

No. Gas sponsorship, transaction construction, and broadcasting are handled by the infrastructure. A user’s first transaction works without them ever buying a gas token.

Lanza carteras que hacen más que solo almacenar fondos

Design your wallet program

Producto

Carteras Emisión de tarjetas Recompensas Entradas Salidas Cuentas virtuales Pagos Tarjetas corporativas

Soluciones por caso de uso

Programas de tarjetas globales Acceso global a dólares estadounidenses Pagos B2B transfronterizos Remesas instantáneas y gastables Tarjetas virtuales para agentes Controlled agentic payments Gasta stablecoins como efectivo Billetera de marca lista para usar IDC para HNWI globales

Soluciones por industria (Próximamente)

Neobancos y fintechs

Exchanges de criptomonedas y aplicaciones DeFi

Marketplaces

Nómina

Remesas

Recursos

Blog Casos de estudio Webinars Eventos

Entradas de blog destacadas

Tarjetas fiat vs. stablecoin: la diferencia Cómo Rain reduce el riesgo Stablecoins que realmente puedes gastar

Empresa

Prensa Media kit Sobre nosotros Empleos Contáctanos Centro de confianza Documentación de la API Estado Legal Security

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Rain es una empresa de tecnología financiera. Rain y sus filiales no son bancos, casas de cambio ni custodios de activos. Rain no proporciona seguro de la FDIC ni mantiene depósitos.

Los productos de pago se proporcionan en asociación con instituciones con licencia. Las tarjetas son emitidas por Third National conforme a una licencia de Visa.

Debit cards offered through Rain’s program are Visa® debit cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Rain Products, Inc. is a technology company, not a bank, and serves as program manager.

Los servicios bancarios son proporcionados por SSB, miembro de la FDIC. Los fondos depositados en SSB son elegibles para el seguro de la FDIC hasta $250,000 por depositante, por banco asegurado, sujetos a las limitaciones aplicables y las reglas de la FDIC.

Las recompensas se emiten como parte del programa de recompensas de Rain. Las "Raindrops" son recompensas por fidelidad y no son dinero en efectivo, criptomonedas ni una cuenta de depósito. Las opciones y valores de canje pueden variar y están sujetos a cambios. Se aplican términos y condiciones.

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Embedded stablecoin wallets