diff --git a/src/services/rain.ts b/src/services/rain.ts
index 946a845f81..89d1e83c26 100644
--- a/src/services/rain.ts
+++ b/src/services/rain.ts
@@ -429,12 +429,15 @@ export const rainApi = {
     /**
      * Persist the serialized ZeroDev permission on the user's card so the
      * backend can submit session-key UserOps for collateral withdrawals.
+     *
+     * No step-up: the payload is itself a fresh passkey signature (the grant
+     * ceremony's enable sig) — an extra assertion here just doubles the
+     * fingerprint prompts on the grant flow.
      */
     submitWithdrawSessionApproval: async (input: { serializedApproval: string }): Promise<void> => {
         await rainRequest<{ ok: boolean }>({
             method: 'POST',
             path: '/rain/cards/withdraw/session-approve',
-            stepUp: true,
             body: input,
         })
     },
@@ -443,12 +446,16 @@ export const rainApi = {
      * Stage a Rain V2 withdrawal: backend fetches Rain's executor signature,
      * reads the current adminNonce from the collateral proxy, and persists a
      * short-lived prep record. Caller then signs the admin EIP-712 payload.
+     *
+     * No step-up: a prep is inert until the passkey produces the admin
+     * EIP-712 signature that follows it, so the flow proves user presence on
+     * its own. Step-up here made every collateral-funded send cost three
+     * fingerprint prompts instead of two (the 2026-07 triple-prompt reports).
      */
     prepareWithdrawal: async (input: PrepareRainWithdrawalInput): Promise<PrepareRainWithdrawalResponse> => {
         return rainRequest<PrepareRainWithdrawalResponse>({
             method: 'POST',
             path: '/rain/cards/withdraw/prepare',
-            stepUp: true,
             body: input,
         })
     },