How to Launch Global Card Programs Without Starting Over in Every Market

Scaling your product should get easier over time, not harder. But for most teams, expanding a card program internationally requires starting from square one in every new market.

Moving into a new country means finding a new issuer, adapting to new regulations, and dealing with one lengthy timeline after another. Progress slows just when momentum matters most.

Rain breaks that pattern. We’ve built the licensing, compliance, and stablecoin infrastructure so you don’t have to start from scratch in every new region. With a single integration, you can issue cards globally through a platform designed to work across borders and help your business scale.

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The traditional model wasn’t made for global expansion

When it comes to issuing cards in a single market, the process is well understood, but far from easy. Teams still need to secure a BIN sponsor, integrate a processor, set up KYC and compliance workflows, and coordinate across multiple partners before going live.

After all that, when it’s time to expand, companies can’t just “copy and paste.” Teams that want to go global have to:

• Partner with a new issuer in every country or region
• Rebuild compliance flows
• Reintegrate wallets, KYC systems, and settlement rails
• Absorb longer timelines, higher costs, and greater regulatory risk

The result is a fragmented setup that’s expensive to maintain and difficult to replicate.

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A platform that removes the roadblocks

Rain is designed to support expansion without fragmentation. With us, the process doesn’t have to restart with every new country.

For neobank KAST, partnering with Rain was about taking their existing card program global. The team wanted to expand into new countries, but redesigning their stack for each individual launch was impractical. With Rain, KAST was able to bring their program into new regions quickly, maintain consistency for users, and scout the operational overhead that typically slows international rollouts.

For companies launching a new program from the ground up, Rain’s approach is the same: deliver a full-stack that comes with one platform, one integration, and is designed to scale when you’re ready.

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Stablecoins for settlement, fiat for users

Rain has secured the approvals needed to issue cards in dozens of countries. As a Visa Principal Member, we can issue directly and enable card programs that work at over 150 million merchant locations in more than 150 countries.

For users, that means a card that works exactly how they expect it would. Cardholders don’t need to hold crypto, and they won’t know stablecoins are powering everything on the back end.

Behind the scenes, Rain settles with Visa every single day – including weekends and holidays – using stablecoins. For Rain partners, that means reduced working capital and reserve requirements, while still allowing programs to be funded in fiat via wire, ACH, or SWIFT transfers.

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Virtual and physical cards, out of the box

Rain supports both virtual and physical cards through the same API. Virtual cards can be added to Apple Pay and Google Wallet, making them ideal for immediate access or remote users. Physical cards are available in supported regions and fully customizable.

Whether you’re issuing spend cards for individual users or rolling out a corporate card program for a globally distributed workforce, Rain helps you deploy fast.

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Built-in compliance and KYC

Every Rain-issued card program includes required KYC and AML workflows. We cover onboarding, identity verification, ongoing monitoring, and country-specific requirements, so you can stay compliant without having to build your own risk and ops stack.

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Flexible by Design

Rain is modular. You can use the full platform, including custody, wallets, compliance, and payments, or integrate only what you need alongside your existing systems. That makes it possible to:

• Add cards to existing user wallets
• Maintain control over branding, issuance logic, and customer service
• Expand into new markets without disrupting what’s already live

And as your needs evolve, you can introduce features like spend controls, rewards, or multi-currency support without reworking your core infrastructure.

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Launch faster. Scale smarter.

We’ve seen teams spend years and significant capital building global card programs the hard way. Rain’s goal is to provide a better system.

With Rain, you can:

• Launch in new regions without sourcing a new issuer each time
• Simplify settlement and reduce capital overhead
• Issue cards immediately usable for real-world spending
• Customize and grow your program without losing visibility or control

Whether you’re a fintech expanding internationally or a Web3 platform making digital assets spendable, Rain provides the foundation to grow across markets.

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The bottom line

Global expansion doesn’t have to mean starting over. With Rain, the infrastructure is already in place. The rails are ready. And your cards are good to go.

If you’re ready to scale without the slowdowns, let’s talk.

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