# Rain

> Stablecoin payments platform for the tokenized future

Rain is a stablecoin-powered card issuing and payments company. It helps enterprises, neobanks, and platforms launch compliant card programs and move stablecoins through a unified API.

Rain is a stablecoin-powered card issuing and payments company that provides infrastructure for businesses to launch branded card programs tied to digital asset balances. It offers a unified API that brings together cards, wallets, and global money movement, letting enterprises modernize settlement without building this infrastructure themselves. Its offering targets enterprises, neobanks, platforms, and developers seeking to integrate stablecoins into everyday payments.

The platform addresses the gap between stablecoin holdings and everyday spending by settling card transactions onchain and connecting to card networks so cardholders can spend at merchants that accept traditional payment rails. Rain operates as a principal member of major card networks, which allows it to issue cards directly rather than through a third party. It also provides on-ramp and off-ramp conversion between stablecoins and fiat, along with compliance functions such as identity verification and program oversight.

Its core products span card issuance, digital wallets, and cross-border payment rails, supporting programs across multiple regions and a range of supported stablecoins. Rain is used by financial platforms, payment providers, and enterprises that want to offer stablecoin-linked spending to their own customers. The company has expanded its infrastructure through acquisitions and continues to broaden its regulatory footprint across additional markets.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2021-01-01
- Profile: https://thegrid.id/profiles/rain

## Products

- [Rain Cards](https://thegrid.id/profiles/rain): Rain Cards is a payments infrastructure platform that provides businesses with a unified API for stablecoin-native financial services. It enables wallet provisioning, fiat on-ramps and off-ramps, virtual accounts, payments, and card issuance through a single integration and shared account verification. Businesses use it to build card programs and payment products without managing separate banking or blockchain integrations for each function. Reward mechanics for cardholders are built natively into the issuing capability rather than offered as a separate service. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Rain Corporate Cards](https://thegrid.id/profiles/rain): Rain Corporate Cards is a card issuance service that provides businesses with self-branded physical and virtual corporate cards linked to digital asset balances. It gives finance teams spending controls, automated accounting integration, and multi-blockchain settlement without requiring a traditional bank account. The product operates as a standalone corporate card program with its own account and access point, distinct from the platform's developer-facing card issuing API. (Card issuance, Live)
- [Rain Wallets](https://thegrid.id/profiles/rain): Rain Wallets is embedded stablecoin wallet infrastructure that lets businesses launch branded, self-custody-style wallets inside their own applications. It provisions wallets through flexible UI components or headless APIs, with built-in KYC, AML, sanctions screening, and transaction monitoring, plus role-based access controls for institutional and enterprise use cases. Wallet balances connect directly to linked card programs through a single-balance architecture, making stored stablecoins instantly spendable, while webhooks provide real-time notifications for balances and transactions. The infrastructure supports multiple blockchains and assets without fragmenting the user experience. (Wallet, Live)

## Links

- [Main](https://www.rain.xyz)
- [Blog](https://www.rain.xyz/blog)
- [Terms of Service](https://www.rain.xyz/legal-center/legal)
- [Privacy policy](https://legal.raincards.xyz/legal/privacy-policy)
- [Twitter / X](https://x.com/raincards)
- [LinkedIn](https://linkedin.com/company/rainxyz)
- [YouTube](https://www.youtube.com/@raincardsxyz)

## Relationships

- [Fern](https://thegrid.id/profiles/fern): Subsidiary

## Legal

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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
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