> ## 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.

# Wallets & Funds On-Chain

> How customer wallets, collateral contracts, and supported chains fit together across Rain's products.

Rain holds funding in collateral contracts on-chain, not in an account it
controls on your behalf. The wallet address a customer provides stays
theirs: it's an admin on their collateral contract, not a funding source
Rain owns.

## Wallet roles by management model

Whether a customer needs a wallet, and what that wallet controls, depends on
your management model:

| Management model    | Wallet requirement                            | What it controls                                                                                                                    |
| :------------------ | :-------------------------------------------- | :---------------------------------------------------------------------------------------------------------------------------------- |
| **Rain-Managed**    | Each user must have a wallet address.         | The wallet becomes an admin on the user's own collateral smart contract, so the user can withdraw available collateral at any time. |
| **Partner-Managed** | Your company handles wallets on its own side. | Your company's wallet or Safe manages the shared collateral contract for your program.                                              |

If your Rain-Managed users don't have wallets, you can use a provider such as
Turnkey, Zerodev, Dynamic, or Privy to provision them. See
[Flow of Funds](/docs/first-steps) for the full comparison between the two
models.

## EOAs and smart contract wallets

Rain's collateral contracts accept two kinds of admin address:

* **Externally Owned Accounts (EOAs):** wallets controlled by a private key,
  such as MetaMask or Ledger.
* **Smart contract wallets:** wallets like Safe or an ERC-4337 account
  abstraction wallet, verified through the ERC-1271 standard. These add
  multi-signature approval, spending limits, and gas abstraction.

See [Smart Contract Wallets](/docs/smart-contract-wallets) for the full setup
process and signature verification details.

## Supported chains

Rain supports EVM chains (Polygon, Base, Celo, Optimism, BNB Smart Chain,
Avalanche, Arbitrum, ZKsync, Plasma, Monad), plus Solana and Stellar. Token
support (USDC, USDT) varies by chain.

See [Supported Chains and Tokens](/docs/supported-chains-and-tokens) for the
full chain ID and token contract address reference.

## What's next

<Columns cols={3}>
  <Card title="Fund the Card" icon="wallet" href="/docs/managing-collateral">
    How collateral works in each management model.
  </Card>

  <Card title="Smart Contract Wallets" icon="key" href="/docs/smart-contract-wallets">
    EOAs, ERC-1271, and account abstraction with Rain's collateral contracts.
  </Card>

  <Card title="Supported Chains and Tokens" icon="link" href="/docs/supported-chains-and-tokens">
    Chain IDs, mainnet and testnet, and token contract addresses.
  </Card>
</Columns>