Rain integrates Monad, bringing card programs to the financial layer of the internet

Rain now supports Monad, the high-performance Layer 1 bringing parallel execution to the EVM.

A crucial component of the internet financial layer is efficient and scalable payments capabilities.  This integration gives fintechs and crypto-native builders a new option for issuing cards and running high-volume payment programs.

For Rain partners looking to launch a stablecoin card, payroll product, or cross-border remittance flow, the underlying chain infrastructure needs to handle real transaction volume without fees spiking during busy periods. Monad processes transactions in parallel rather than one-by-one, which keeps costs flat and confirmations fast even when usage climbs. Monad’s architecture is designed for full functionality and money movement as volume scales.

Stablecoin-backed cards put real demands on blockchain infrastructure. Card networks operate on tight timing windows, and the onchain leg of a transaction needs to keep pace. Monad's sub-second deterministic finality is well-matched to those requirements, opening up card-native products that can compose onchain operations at the speed of a card tap.

For Rain partners building on Monad, that means a few key things:

• Predictable fees at scale, which matters when you're modeling unit economics on millions of small-ticket transactions.
• Full EVM compatibility, so any team already building on Ethereum can turn on Monad support without rewriting their stack.
• As card functionality continues to integrate blockchain technology, card authorizations will settle in well under a second, so the onchain leg never holds up the swipe.

For Rain, adding Monad is part of a broader effort to extend card-issuing infrastructure to the chains where partners are building. Each new chain integration is custom work. Our protocol engineers design and implement tailored smart contracts and outside auditors review everything before it goes live. Ongoing audits after a protocol goes live on Rain help keep the system secure as programs grow.

"Adding Monad gives builders a high-performance option without asking them to compromise on what they can launch.” Charles Yoo-Naut, Rain Co-founder and CTO, said. “Monad's architecture lines up with what consumer payments require at scale and allows us to explore new experiences only possible on the most performance chains.

Companies already building with Rain and Monad

For Monad, Rain bolsters an expanding payments ecosystem. A growing set of fintechs and payment platforms are looking to leverage Rain and Monad to bring stablecoin-powered card programs to market. These include:

• Rhythmic – building consumer payment products with embedded stablecoin rails
• Avici – developing programmable money experiences and stablecoin-native financial tools

These teams are actively building with Monad’s high-throughput, low-latency infrastructure, combined with Rain’s card issuing stack, to unlock new categories of real-world payment applications.

Adding Monad to the Rain platform reflects continued demand from partners looking to build on infrastructure that can support the workloads consumer payments produce.

“The Rain integration opens up more optionality for businesses and retail users alike to use Visa cards on Monad,” Raj Parekh, Head of Stablecoins and Payments at Monad Foundation, said. “Sub-second onchain transaction finality is critical in order for card issuers and neobanks to scale stablecoin card activity and this is something Monad uniquely unlocks.”