“Can sports fandom be turned into a card-linked rewards network that monetizes sponsor spend across every-day merchants?”
Founded 2022 as a blockchain shopping rewards platform (Airdrop Labs Inc.) offering NFT rewards, branded currency and a self-custody Uptop Wallet on the Polygon blockchain. Pivoted 2024-2025 toward a sports loyalty vertical — signing NBA teams (Cavaliers, Pistons) and college programs (LSU) — turning everyday consumer spending into fan rewards. The crypto-native positioning has been recast into a card-linked loyalty product, now under the Rain (stablecoin-powered card platform) umbrella, with Rain acting as the co-branded card issuing partner.
Uptop discloses Rain as its banking provider, according to the Embedded Finance Index 2026.
Uptop does not disclose a bank charter of its own; its banking services are provided through Rain.
Uptop's cards are issued through Rain.
Uptop's crypto products run on Rain.
The Embedded Finance Index 2026 maps 3 layers in Uptop's stack: Banking / BaaS (Rain); Card issuing (Rain); Crypto (Rain).
Uptop is founded in 2022 and headquartered in New York, NY, USA (office in Seattle).
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