Rain Prohibitions List
Last Updated: April 27, 2026
Rain, which consists of Signify Holdings, Inc. together with its majority-owned and controlled subsidiaries worldwide, including without limitation, Nimbus LLC d/b/a Third National, Rain Payments Services, Inc., and Rain Products, Inc., is committed to upholding the highest standards of compliance, safety, and integrity across our financial ecosystem. This Rain Prohibitions List outlines the categories of business activities, spending behaviors, and geographic locations that are either limited or prohibited when using Rain’s services. The Rain Prohibitions List applies to all partners, platforms, and end users (e.g., cardholders and virtual account users) who interact with Rain’s products and systems.
I. Cardholder Prohibitions
A. Rain cards cannot be issued to cardholders residing or registered in the following countries:
1. Belarus
2. China (Mainland)
3. Cuba
4. India
5. Iran
6. Iraq
7. Israel
8. Myanmar
9. Nepal
10. Nicaragua
11. North Korea
12. Russia
13. Syria
14. Turkey
15. Ukraine
16. Venezuela
17. Vietnam
Rain does not support onboarding or card use in jurisdictions that present heightened legal, regulatory, or sanctions risks. Cardholders in countries listed on international watchlists (e.g., FATF Grey List) require case-by-case review and explicit approval from Rain’s Compliance leadership.
B. Rain cards cannot be issued to entities engaged in the following types of businesses under any circumstances:
1. Businesses involved in illegal or highly regulated activities, including but not limited to:
a. Distribution of illegal substances or controlled drugs without proper licensing
b. Human trafficking, prostitution, or escort services
c. Sale of counterfeit or unauthorized goods
d. Pyramid schemes, Ponzi schemes, or other deceptive practices
e. Production or distribution of illegal digital content (e.g., child exploitation)
2. Political campaign fundraising or donation platforms
C. Rain cards may be issued to entities with the following business models, subject to enhanced review and approval requirements such as evidence of licensing, regulatory compliance, and strong internal controls:
1. Money Service Businesses (MSBs) and remittance services
2. Cryptocurrency platforms and exchanges
3. Charities and non-governmental organizations (NGOs)
4. Precious metals dealers
5. Online content or creator platforms (e.g., subscription-based streaming or tipping)
6. Regulated gambling or fantasy sports operations
II. Spending Prohibitions
A. Rain cards cannot be used for spending in the following countries:
1. Cuba
2. Iran
3. North Korea
4. Russia
5. Syria
6. Ukraine
7. Venezuela
Card usage is prohibited in each of the countries listed above, regardless of whether the cardholder is an entity or an individual.
B. Rain cards cannot be used for any of the following types of purchases:
1. Purchase or trade of digital currencies
2. Drug-related purchases, including marijuana, cannabis, CBD, and black-market items
3. Payments on dark web marketplaces or for hacking/cybercrime services
4. Internet pharmacies that are unlicensed or operate outside regulated jurisdictions
5. Firearms, ammunition, or explosives (Corporate)
6. Hazardous materials and chemicals without proper regulatory clearance
7. Escort services or similar platforms
8. Unlicensed or illegal auction sites
9. Unregulated lending or payday loan services
10. Data brokerage services, especially involving unauthorized personal data
11. Purchase or trade of endangered species or wildlife products
III. Virtual Account Prohibitions
A. Rain virtual accounts cannot be opened or used by end users residing or registered in the following countries:
1. Belarus
2. China (Mainland)
3. Cuba
4. India
5. Iran
6. Iraq
7. Israel
8. Myanmar
9. Nepal
10. Nicaragua
11. North Korea
12. Russia
13. Syria
14. Turkey
15. Ukraine
16. Venezuela
17. Vietnam
Rain does not support virtual account access in jurisdictions that present heightened legal, regulatory, or sanctions risks. End users in countries listed on international watchlists (e.g., FATF Grey List) require case-by-case review and explicit approval from Rain's Compliance leadership.
B. Rain virtual accounts cannot be opened by entities engaged in the following types of businesses under any circumstances:
1. Businesses involved in illegal or highly regulated activities, including but not limited to:
a. Illegal or controlled substance manufacturing or distribution, including drug paraphernalia, SARMs, peptides, and pseudo-pharmaceuticals
b. Human trafficking, escort services, or mail-order bride operations
c. Sale of counterfeit or unauthorized goods, or intellectual property infringement
d. Pyramid schemes, Ponzi schemes, multilevel marketing (MLM), or other deceptive practices
e. Production or distribution of illegal or protected digital content (e.g., child exploitation material)
f. Illegal gambling or unlicensed gambling and betting operations
2. Unlicensed money services businesses (MSBs), nested banking or nested payment processing operations
3. Weapons, arms dealing or manufacturing, firearms, munitions, explosives, or fireworks
4. Adult content, services, or classifieds
5. Hate groups, or businesses promoting intolerance, violence, or hatred
6. Trade in endangered or protected animals and wildlife
7. Abortion-related services
8. Direct marketing
C. Rain virtual accounts cannot be used for any of the following types of activities:
1. Unlicensed or illegal gambling and betting
2. Drug-related transactions, including controlled substances, drug paraphernalia, SARMs, peptides, and pseudo-pharmaceuticals
3. Transactions on dark web marketplaces or for hacking, cybercrime, or theft-related services
4. Predatory lending, deceptive credit repair, or abusive debt-related services
5. Unlicensed providers of licensed activities, including illegal cryptocurrency sales
6. Weapons, firearms, munitions, explosives, or fireworks (where restricted)
7. Poisonous or hazardous materials without proper regulatory clearance
8. Espionage equipment and signal jammers or blockers
9. Escort services or similar platforms
10. Adult content, services, or classifieds
11. Downloading, streaming, or distributing illegal or protected digital content
12. Counterfeit goods, materials, or intellectual property infringement
13. Trade in human remains or body parts
14. Materials or activities promoting intolerance, violence, or hatred
15. Purchase or trade of endangered species or wildlife products
16. Abortion-related services
17. Direct marketing