Rain wallets Rain wallets give users a single non-custodial stablecoin balance that can receive payments, earn rewards, spend via Rain-issued cards at 175 million merchants, and send funds in 50+ currencies or as local-currency bank payouts. Partners embed the wallet with one integration that also covers cards, virtual accounts, onramps, offramps, and payouts. Custodial wallets and additional earning features are planned by year-end.

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“Stablecoins need to work in all the ways people use money today. Rain wallets let users get paid, earn, spend, and send money. All from one balance. Available through a single integration.”
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“Entire financial apps can now be built around a single stablecoin balance. Wallets have mostly just been a place to hold stablecoins. Using that money often meant moving it somewhere else first. Now with one wallet, you can onramp funds or receive bank transfers that land as stablecoins. You can earn rewards, spend via card, and send money to bank accounts in 50+ currencies. Rain partners can embed all of these capabilities with a single integration. Excited to get Rain wallets out into the wild.”
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“Today's stablecoin infra lets you plug into both traditional systems and new onchain ones. You can receive a traditional bank transfer that lands as stablecoins. You can then spend it at 175M merchants with a stablecoin card. You can onramp more funds, or offramp back into a bank account. You can send payments that land in regular bank accounts in 50+ currencies. And through the same wallet, you can plug into the ever-expanding universe of onchain applications. The wallet slowly becomes the primary financial account. Sprinkle in some AI agents to help manage things, and that's what most financial apps will look like in the future.”
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“Rain has now launched Wallet as a Service, leveraging its entire stack to enable anyone to embed cards, accounts, on/off ramps, and payouts directly into any app. Essentially turning any app into a fintech app.”
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“Virtual Accounts –> Fund your wallet Wallets –> Hold your funds Cards –> Spend anywhere, directly from your wallet Rewards –> Earn back on spend Payouts –> Move money globally The best part? The end user never sees the complexity underneath. A truly unified wallet and card infrastructure is how stablecoins become the primary account.”
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