> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# What Is Rain

> Cards, accounts, ramps, payouts, wallets, and rewards on shared infrastructure, reachable through a single API.

Rain is payments infrastructure for programs that move money, all running on
one platform: one API, over one set of customer records, and one ledger.

As a Visa and Mastercard Principal Member, Rain issues cards directly rather
than through an intermediary.

## What you can build

Each product is a slice of the same platform, not a separate integration:

| Product                        | What it does                                                                                                          |
| :----------------------------- | :-------------------------------------------------------------------------------------------------------------------- |
| **Cards**                      | Issue virtual and physical cards, set limits, and handle authorization, settlement, and disputes.                     |
| **Virtual accounts and ramps** | Give a customer named fiat deposit details, then convert incoming fiat to stablecoin, or stablecoin back out to fiat. |
| **Global payouts**             | Quote a rate and send cross-border fiat payouts.                                                                      |
| **Wallets and collateral**     | Hold funds in collateral contracts across supported chains, with the customer keeping withdrawal rights.              |
| **Rewards**                    | Run a points program on card spend, redeemable for statement credits or travel.                                       |
| **White-label programs**       | Onboard subtenants that run their own programs underneath yours.                                                      |

## How Rain is different

Most card programs can't settle on a weekend. That's a structural constraint
that limits working capital, and it compounds across every market you operate
in. Rain settles seven days a week, including holidays, so a program parks
days less collateral than it would with a banking-hours issuer.

Partners fund transactions with stablecoins across a growing list of supported
blockchains, so funding doesn't wait on banking hours either. Because Rain is a
Principal Member rather than a reseller, the economics pass through more
directly.

<Frame caption="The payments infrastructure that works differently.">
  <iframe className="w-full aspect-video rounded-xl" src="https://player.vimeo.com/video/1199798972?h=ea558cea49&title=0&byline=0&portrait=0" title="Rain differentiation" frameBorder="0" allow="autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share" referrerPolicy="strict-origin-when-cross-origin" allowFullScreen />
</Frame>

## One platform, not six integrations

Every product shares three layers: customer records, compliance, and the
ledger. Sharing them is what makes your second integration faster than your
first:

* **Customer records:** a user or company you create for cards is
  the same user or company you reference when you open a virtual account or
  send a payout. You don't maintain parallel customer directories.
* **Compliance:** verification, sanctions and PEP screening, and
  ongoing monitoring run on shared infrastructure. Rain still grants approval
  per product: clearing cards KYC or KYB does not by itself clear a customer to
  move money.
* **Ledger and event stream:** every balance change lands on the same
  ledger, and every state change emits a webhook from the same event catalog.

## What's next

<Columns cols={2}>
  <Card title="See the platform architecture" icon="sitemap" href="/docs/platform-architecture">
    How your tenant, compliance, and the ledger connect across products.
  </Card>

  <Card title="Compare products" icon="grid-2" href="/docs/products-at-a-glance">
    Pick the product you want to start with and jump into its docs.
  </Card>

  <Card title="Understand customers and identity" icon="users" href="/docs/customers-and-identity">
    Tenants, companies, users, and how to map Rain records to your own.
  </Card>

  <Card title="Issue your first card" icon="credit-card" href="/docs/quickstarts">
    Go from API key to a funded card.
  </Card>
</Columns>