U.S.-registered teams only (the official pricing page says U.S. teams only); individuals cannot apply
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The Starter plan is $0/month and includes up to 10 physical and 20 virtual cards; the official support documentation gives FX and cross-border fees of 1% each, with no separate invoice — membership and card fees appear on the monthly statement; on-chain top-ups and withdrawals are on-chain transactions with gas charged by the blockchain network, and Rain adds no top-up fee; fiat withdrawal (offramp) is not yet supported, only fiat deposits.
- Debit / Deduction Model
- Stablecoin collateral + Visa corporate card clearing model: the company deposits stablecoin into a smart contract as collateral, spending is drawn from that collateral daily, and the monthly statement settles the balance
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The company must be a U.S.-registered team (the official pricing page states the Starter plan is U.S. teams only) and must submit incorporation documents and authorised representative details for institutional KYB/AML review; each cardholder then completes identity verification separately, and the dashboard shows states such as pending, manual review, more information needed, approved or rejected.
- Officially supported countries and regions
- U.S.-registered teams only (the official pricing page says U.S. teams only); individuals cannot apply
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (corporate credit card; virtual cards are usable immediately, physical cards are posted)
- Issuer Arrangement / Payment Rails
- Rain (cards are issued through licensed partners under a licence from Visa; Rain has been a Visa principal member since 2024). The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The official product page, support documentation and card terms all make no mention of Apple Pay, so this page does not infer support.
- Overseas AI Subscriptions
- The official material says nothing about subscriptions such as OpenAI, Claude or AWS; whether a corporate card is accepted depends on whether the merchant gateway takes that BIN, so the actual charge result is what counts.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official material says only that Raindrops are a loyalty reward, not cash, crypto or a deposit account, and that how they are redeemed and what they are worth may change; no fixed cashback rate such as 1.5%–2.5% is published.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Stablecoin collateral, drawn down daily as you spend
- The official support documentation says companies deposit stablecoin into a smart contract as collateral, funding it from a wallet or a Safe multisig; spending is drawn from that collateral daily, a statement is issued on the 1st of each month, and any unsettled balance clears on the 8th. Fiat withdrawal (offramp) is not yet supported, only fiat deposits. [2] [3]
- The $0/month Starter plan and the two 1% fees
- The official pricing page lists a $0/month Starter plan with up to 10 physical and 20 virtual cards and notes that it is U.S. teams only; the support documentation gives FX and cross-border fees of 1% each, with no separate invoice — the fees appear on the monthly statement. [1] [2]
- Managed in a web dashboard, with no standalone app
- Issuing cards, setting limits and approval flows, and viewing statements all happen in the use.rain.xyz web dashboard; each card can have its own limit and can be locked, re-PINned and replaced, and a physical card must be activated by its holder after it arrives. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Corporate
- Issuer arrangement / BIN
- Rain (cards are issued through licensed partners under a licence from Visa; Rain has been a Visa principal member since 2024). The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- — Not specified by official sources: The official product page, support documentation and card terms all make no mention of Apple Pay, so this page does not infer support.
- Google Pay
- — Not specified by official sources: The official material does not mention Google Pay.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The official material says nothing about subscriptions such as OpenAI, Claude or AWS; whether a corporate card is accepted depends on whether the merchant gateway takes that BIN, so the actual charge result is what counts.
Compatibility information for this card was verified on 2026-10-21 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- No standalone app (Rain Spend web dashboard at use.rain.xyz)
- Web Portal Support
- Web Portal / PWA Only — Sign up at the use.rain.xyz web dashboard to issue cards, set limits and approval flows, and view statements; connect your own wallet to deposit stablecoin as collateral. No mobile app was found.
- Apple App Store
- No iOS app (Rain Spend is not on the App Store; "Rain Instant Pay" id1492069669 belongs to Rain Technologies Inc., a different company's earned-wage-access app)
- Google Play
- No Google Play app ("Rain Instant Pay" us.rain.app on Google Play belongs to Rain Technologies Inc. and is unrelated to Rain Cards)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
The privacy policy (updated 2026-07-16) covers Signify Holdings, Inc. and its subsidiaries, including Nimbus LLC (dba Third National), Rain Liquidity LLC, Rain Payments Services, and Rain Products; it has dedicated sections for GDPR, UK GDPR, Swiss law, and Brazil's LGPD, and lists US state privacy rights (access, correction, deletion, portability, opt-out of sale or sharing, limitation of sensitive data, appeal). On partner-branded cards Rain acts as processor; for direct identity verification and biometric data Rain acts as controller. Identity verification collects biometrics such as facial geometry, and on-chain addresses and transaction records cannot be deleted.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Identity verification and transaction records are retained for five years or longer after account closure; biometric data is destroyed no later than three years after the last interaction.
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Request closure of the Rain Spend account through the support widget in the lower right of the dashboard; you will need to confirm the company name, registered email and phone, and date of birth, and the request is processed after review rather than immediately. Send personal-data deletion requests to privacy@rain.xyz.
Verified on 2026-10-21. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Where custody stops for corporate stablecoin spending
Rain is a fintech company, not a bank, exchange or asset custodian: cards are issued by licensed partners under a licence from Visa, and banking services are provided by SSB (Member FDIC). Companies deposit stablecoin into a smart contract as collateral and Rain does not hold those funds directly, which is the most fundamental difference from cards where you top up a platform balance. [1] [2]
Account eligibility and who it covers
The official pricing page states that the Starter plan is U.S. teams only and that individuals cannot apply. The company must pass KYB review, each cardholder must complete identity verification separately, and the dashboard shows states such as pending, manual review, more information needed, approved or rejected. [1] [2]
Frequently asked questions
Can individuals apply for a Rain Spend card?
No. The official pricing page states that the Starter plan is U.S. teams only, and individuals cannot apply.
What fees does Rain Spend charge?
The official support documentation gives FX and cross-border fees of 1% each, with no separate invoice — membership and card fees appear on the monthly statement — and the Starter plan is $0/month. Gas on on-chain top-ups is charged by the blockchain network, and Rain adds no top-up fee.
Does Rain Spend support Apple Pay?
The official product page, support documentation and card terms mention neither Apple Pay nor Google Pay, so this page treats them as unlisted and does not infer support.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Rain Spend Corporate Card on X; search results may change over time.
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