> ## 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.

# Account & Reports

> Know when a collateral contract is deployed on-chain and when daily BIN report files are ready to fetch.

These webhooks cover account-level events: collateral contract creation for
Rain-managed programs, and BIN report file delivery for BIN-Sponsorship
programs.

The following events are available:

| Event                                   | Description                                                  |
| --------------------------------------- | ------------------------------------------------------------ |
| [`contract.created`](#contract-created) | A collateral contract is created for an approved user.       |
| [`report.created`](#report-created)     | BIN report files have arrived for a BIN-Sponsorship program. |

## `contract.created`

<Check>
  **Blockchain tenants only:**

  On blockchain tenants where each user posts their own collateral, Rain creates a
  collateral contract for each approved user. Pooled-collateral programs deploy a
  single contract at setup, so they do not receive a `contract.created` event per
  cardholder.
</Check>

This webhook is triggered whenever a new collateral contract is created within the system.

```json Payload theme={null}
{
    "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "resource": "contract",
    "action": "created",
    "version": "1.0.1",
    "body": {
        "id": "cc_abc123",
        "userAddress": "0x1234567890abcdef1234567890abcdef12345678",
        "chainId": "1",
        "proxyAddress": "0xabcdef1234567890abcdef1234567890abcdef12",
        "depositAddress": "0xfedcba0987654321fedcba0987654321fedcba09",
        "controllerAddress": "0x9876543210fedcba9876543210fedcba98765432",
        "contractVersion": 1,
        "userId": "usr_def456"
    }
}
```

| Field               | Type                | Description                                                                                               |
| ------------------- | ------------------- | --------------------------------------------------------------------------------------------------------- |
| `id`                | `string`            | The collateral contract ID                                                                                |
| `userAddress`       | `string`            | The user's wallet address associated with the contract                                                    |
| `chainId`           | `string`            | The blockchain chain ID (for example, `"1"` for Ethereum mainnet)                                         |
| `proxyAddress`      | `string` (optional) | The proxy contract address                                                                                |
| `depositAddress`    | `string` (optional) | The address where collateral should be deposited                                                          |
| `controllerAddress` | `string`            | The coordinator or controller contract address. Optional in version `1.0.0`; always present from `1.0.1`. |
| `contractVersion`   | `number`            | The version of the smart contract                                                                         |
| `userId`            | `string` (optional) | The Rain user ID associated with the `userAddress`. Rain omits this field when it finds no matching user. |

## `report.created`

<Check>
  **BIN-Sponsorship program only:**

  This section applies to BIN-Sponsorship Programs. Take note of this information if you are using a BIN-Sponsorship Program.
</Check>

The `report.created` webhook is triggered when the processor's BIN report files have arrived in our storage servers. Reports for the previous day are available at 3pm ET.

The webhook provides:

* The year, month, and day of the files that have arrived.
* The format of the BIN reports that have arrived from the processor

```json Payload theme={null}
{
    "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "resource": "report",
    "action": "created",
    "version": "1.0.0",
    "body": {
        "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
        "year": "2026",
        "month": "01",
        "day": "27",
        "format": "json"
    }
}
```

| Field    | Type     | Description                                                           |
| -------- | -------- | --------------------------------------------------------------------- |
| `id`     | `string` | Deterministic report ID (based on tenant, date, and format)           |
| `year`   | `string` | The year of the BIN report files that arrived (for example, `"2026"`) |
| `month`  | `string` | The month of the BIN report files, zero-padded (for example, `"01"`)  |
| `day`    | `string` | The day of the BIN report files, zero-padded (for example, `"27"`)    |
| `format` | `string` | The format of the BIN report: `csv` or `json`                         |

<Info>
  Use the report date fields (`year`, `month`, `day`) and the `format` to fetch the report with the [Get a tenant's report](/reference/reports/get-a-tenants-report) endpoint.
</Info>

## What's next

<Columns cols={2}>
  <Card title="Payment routes" icon="route" href="/docs/paymentRoute">
    Track when a payment route becomes active and ready to receive deposits.
  </Card>

  <Card title="Raindrops" icon="cloud" href="/docs/raindrops">
    Track Raindrops balance requests and the travel redemption lifecycle.
  </Card>
</Columns>