Funding & Transfers

Before a cardholder can spend, you need to add collateral to their account. How you do this depends on your management model.

Rain-managed programs use per-user smart contracts. You deposit tokens on-chain and the credit limit updates automatically. Partner-managed programs use a single collateral account funded through the Dashboard.

Fund a user’s account (Rain-managed)

Get the user's contract

Retrieve the smart contract address where you’ll deposit tokens:

const contracts = await client.users.retrieveContracts(userId);
const contract = contracts[0];

console.log(`Deposit to: ${contract.depositAddress}`);
console.log(`Chain ID: ${contract.chainId}`);
console.log(`Accepted tokens:`, contract.tokens);

contracts = client.users.retrieve_contracts(user_id)
contract = contracts[0]

print(f"Deposit to: {contract.deposit_address}")
print(f"Chain ID: {contract.chain_id}")
print(f"Accepted tokens: {contract.tokens}")

Each contract includes a depositAddress, chainId, and a list of accepted tokens with their on-chain addresses. See Supported Chains & Tokens for the full list of networks.

Deposit tokens on-chain

Send supported tokens (e.g., USDC) to the depositAddress on the specified chain. This is a standard on-chain transfer. Use your preferred web3 library (ethers.js, viem, web3.py, etc.).Once the deposit is confirmed on-chain, Rain automatically updates the user’s credit limit.

Check the credit limit

Verify the balance updated after your deposit:

const balances = await client.users.retrieveBalances(userId);

console.log(`Credit limit: $${(balances.creditLimit / 100).toFixed(2)}`);
console.log(`Spending power: $${(balances.spendingPower / 100).toFixed(2)}`);
console.log(`Pending charges: $${(balances.pendingCharges / 100).toFixed(2)}`);
console.log(`Balance due: $${(balances.balanceDue / 100).toFixed(2)}`);

balances = client.users.retrieve_balances(user_id)

print(f"Credit limit: ${balances.credit_limit / 100:.2f}")
print(f"Spending power: ${balances.spending_power / 100:.2f}")
print(f"Pending charges: ${balances.pending_charges / 100:.2f}")
print(f"Balance due: ${balances.balance_due / 100:.2f}")

Field	Description
`creditLimit`	Total credit available based on deposited collateral (in cents)
`spendingPower`	How much the user can still spend (in cents)
`pendingCharges`	Authorized but not yet settled charges (in cents)
`postedCharges`	Settled charges (in cents)
`balanceDue`	Outstanding amount owed (in cents)

Process a withdrawal (Rain-managed)

To withdraw collateral, retrieve a withdrawal signature and submit it on-chain:

const signature = await client.users.signatures.retrieveWithdrawalSignature(
  userId,
  {
    token: '0xA0b8...eB48',     // token contract address
    adminAddress: '0x1234...5678', // your admin wallet
    amount: '1000000',            // amount in token decimals (e.g., 1 USDC = 1000000)
    recipientAddress: '0xabcd...ef01',
  },
);

// Use the signature with the Rain smart contract's withdraw function
// See the full ethers.js example in Rain-Managed Programs

signature = client.users.signatures.retrieve_withdrawal_signature(
    user_id,
    token="0xA0b8...eB48",
    admin_address="0x1234...5678",
    amount="1000000",
    recipient_address="0xabcd...ef01",
)

# Use the signature with the Rain smart contract's withdraw function

See Rain-Managed Programs for the full on-chain withdrawal flow with ethers.js.

Check your balance (Partner-managed)

Partner-managed programs use a single collateral account. Fund it through the Dashboard, then check balances via the API:

const balances = await client.balances.retrieve();

console.log(`Credit limit: $${(balances.creditLimit / 100).toFixed(2)}`);
console.log(`Spending power: $${(balances.spendingPower / 100).toFixed(2)}`);

balances = client.balances.retrieve()

print(f"Credit limit: ${balances.credit_limit / 100:.2f}")
print(f"Spending power: ${balances.spending_power / 100:.2f}")

See Partner-Managed Programs for details on adding collateral through the Dashboard.

What’s next

Rain-Managed Programs

Full guide to on-chain collateral management.

Partner-Managed Programs

Dashboard-based funding and balance management.

Mobile Withdrawals

Execute withdrawals from Android or iOS with the Client SDK.

Introduction

Plan & Set Up Your Program

Build Your Program

Run Your Program

Rewards

Embedded Wallets

Funding & Transfers

Fund a user’s account (Rain-managed)

Process a withdrawal (Rain-managed)

Check your balance (Partner-managed)

What’s next

Rain-Managed Programs

Partner-Managed Programs

Mobile Withdrawals

​Fund a user’s account (Rain-managed)

​Process a withdrawal (Rain-managed)

​Check your balance (Partner-managed)

​What’s next

Rain-Managed Programs

Partner-Managed Programs

Mobile Withdrawals

Fund a user’s account (Rain-managed)

Process a withdrawal (Rain-managed)

Check your balance (Partner-managed)

What’s next