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How minting works depends on your points mode.

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Rain-Managed

Once points are minted, they exist onchain and are available for redemption.

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What Minting Means

When a batch mint completes, the user’s ready points become ERC-20 tokens in their Rain collateral contract. These tokens are now spendable for statement credits or travel bookings.

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When Minting Happens

Minting runs automatically at your tenant’s statement/liquidation cycle. You do not call a mint endpoint for card-earned points. Expect onchain balances within a few minutes of liquidation under normal conditions.

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Custody

Points sit in the cardholder’s Rain collateral contract on whatever chain the card program exists. For multi-chain programs with Raindrops deployed on multiple chains, points earning is split across chains in proportion to the amount of liquidation activity the user has had on each chain. Cardholders do not custody points in a personal wallet, and you do not deploy or manage the token contract.

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Partner-Managed (Onchain)

You control the full minting lifecycle. Rain deploys a TenantToken contract with your address as the minter during onboarding, and you are responsible for calling its mint function with the correct end user wallet address as the recipient. When this happens is up to you, but we suggest mirroring our lifecycle for Rain-managed programs.

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Your Responsibilities

  • Calculate points from transaction webhooks
  • Mint ERC-20 tokens to user wallets you control
  • Track balances in your own system
  • Respond to raindrop_balance.requested webhooks when Rain needs to check balances
Rain does not create mint jobs or track onchain balances for Partner-Managed (Onchain) programs. You are the source of truth.

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Partner-Managed (Offchain)

No onchain minting occurs. Rain maintains the canonical database ledger of points.

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How It Works

Rain calculates card-spend points and creates DB-only mint jobs during the normal statement/liquidation cycle. When you call POST /issuing/raindrops/mint, Rain creates a manual adjustment ledger entry; no tokens are minted. Rain handles travel redemptions against this DB balance. For statement credits, you call Rain’s API to debit the DB points balance and then apply the cardholder credit in your own system (see Statement Credits).

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Reading the Balance

Call GET /issuing/raindrops/balance to retrieve a user’s point balance. For Rain-Managed programs, the response includes: For Partner-Managed Offchain programs, the same endpoint returns only: Point amounts are returned as strings to preserve precision.
Partner-Managed Onchain tenants receive 405 from this endpoint because balances are read directly from the partner system. Rain uses raindrop_balance.requested only during travel redemptions.

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Billing Impact

By default, minting or DB finalization produces no charge. You are charged at redemption time instead. By request, we can charge you for the face value of points at mint time instead of at redemption to avoid accounting complexities.