Leaders In Payments · 2026-01-29 · 24 min
Money is changing faster than most teams can update a roadmap. We sit down with Farooq Malik, Co-Founder and CEO of Rain , to unpack how stablecoins and tokenized dollars are moving from crypto headlines to the hidden plumbing of real payments - powering card programs, cross-border payouts, and embedded finance at enterprise scale. Farooq breaks down Rain ’s vertically integrated stack: pay-ins and payouts across ACH, wires, and Visa; support for dozens of stablecoins on 11 blockchains; and account logic that makes tokenized value feel like a familiar account, not a science project. We dig into a standout use case - a margin-backed credit card where each swipe triggers instant receivable financing in stablecoin - cutting working capital needs by about 80% and transforming the unit economics of card programs. He also shares how one API can issue regulatorily compliant products in multiple markets, letting global platforms pay creators, freelancers, and merchants in “international dollars” without stitching together country-by-country integrations.
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