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Scoped cards

Virtual cards for agents & humans

Rain's issuing stack unlocks granular control over how virtual cards are provisioned and used. Scoped cards are created in milliseconds against defined spend parameters and auto-retired after their intended use. Whether the cardholder is a human or an AI agent, every transaction runs within the preset boundaries.
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Benefitting from scoped cards today
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Scoped cards, created instantly

Scoped cards are created in milliseconds against defined spend parameters and auto-retire after their intended use to keep spending controlled and compliant.
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Transaction limits built into the card

Define spend limits, merchant restrictions, and transaction-level controls. Cards are tied to the underlying customer account and operate within clearly defined guardrails.
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Built on trusted global networks

Agent-initiated transactions run on global card rails that exist today, unlocking immediate support for a new buyer behavior without the need for custom integration work.

How agent-initiated payments work

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Onramp
Convert fiat to stablecoins
01
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Store stablecoins
Hold funds securely in embedded wallets
02
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User authorizes agent
User directs agent and provides guardrails
03
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Agent sends transaction details to Rain
Once authorized, a scoped card is issued
04
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Agent completes transaction
Agent uses scoped card to make purchase
05
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Scoped card is canceled
Agent is never given permanent payment credentials
06

The future of programmable payments

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Q&A: How Reah is building safer agentic commerce on Rain

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Add scoped card payments to your platform

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© 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 through partners licensed in their respective jurisdictions.

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.

"Rain", Rain logo mark and "Cover Everything" are registered trademarks of Signify Holdings, Inc.