Compliance Comes First

Nothing unlocks before verification. What Cards KYC/KYB and payments verification each gate, and the application states along the way.

Verification is the first gate on Rain, not a feature bolted onto one product. Card issuance, virtual accounts, and every other form of money movement all sit behind it. Nothing downstream unlocks until the relevant check passes.

Two separate approvals

Clearing one product’s compliance check doesn’t clear another. Cards KYC or KYB approval unlocks card issuance. Payments verification unlocks money movement and virtual accounts. A customer can be approved for cards and still blocked from opening a virtual account, or the reverse.

Approval	Unlocks	What it checks
Cards KYC/KYB	Card issuance	Identity verification on the individual or company applying for a program
Payments verification	Virtual accounts, payment routes, transfers	Account-owner verification (CIP) on whoever owns the money-movement account

See Payments Compliance for the full picture on the payments side, including transaction monitoring and on-chain screening.

KYC or KYB, depending on program type

Your program type determines which check a customer goes through for Cards compliance:

Program type	Who you issue to	How customers are verified
Consumer	Individuals, for example customers signing up for a branded card	KYC on each individual
Corporate	Businesses or employees, for expense management or corporate spending	KYB on the company, plus its users and ultimate beneficial owners

See Flow of Funds for how program type and management model shape the rest of your build.

Application states at a glance

Every application moves through a defined set of states as it clears verification:

State	Terminal?	Action required?
approved	Yes	No
pending	No	No
manualReview	No	No
denied	Yes	No
locked	Yes	No
canceled	Yes	No
needsVerification	No	Yes
needsInformation	No	Yes
notStarted	No	Depends

See Application States for what triggers each state, what to do in it, and what transitions to expect next.

What’s next

How compliance works

The full Compliance tab: KYC/KYB documents, UBOs, and vendor token sharing.

Payments Compliance

Account-owner verification, transaction monitoring, and on-chain screening for money movement.

Application States

Every state in full: what triggered it and what to expect next.