Last Updated: December 15, 2025

Kem is committed to upholding the highest standards of compliance, safety, and integrity across our financial ecosystem. This Kem Prohibitions List outlines the categories of business activities, spending behaviors, and geographic locations that are either limited or prohibited when using Kem’s services. The Kem Prohibitions List applies to all partners, platforms, and end users (e.g., cardholders) who interact with Kem’s products and systems.

I. Cardholder Prohibitions

A.  Kem cards (issued by Rain) 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

Kem 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 Kem’s Compliance leadership.

B.    Kem 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:

1. Distribution of illegal substances or controlled drugs without proper licensing
2. Human trafficking, prostitution, or escort services
3. Sale of counterfeit or unauthorized goods
4. Pyramid schemes, Ponzi schemes, or other deceptive practices
5. Production or distribution of illegal digital content (e.g., child exploitation)

2.  Political campaign fundraising or donation platforms

C.  Kem cards (Issued by Rain) 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.  Kem 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.  Kem 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