Raycash
Bitcoin fixed money.
We fixed banking.
Everything you expect from a banking app — IBAN, cards, privacy. But rebuilt onchain with private digital dollars, so you always stay in control of your money.
Powered by Zama Protocol
Spending account
$ 1,234.45
$
0.00
with instant Raycash Transfer.
with your Raycash Card.
with Raycash Transfer, IBAN, or blockchain.
with your Raycash Card.
with your Raycash Card.
with your Raycash Earning Account.
with instant Raycash Transfer.
with your Raycash Card.
with Raycash Transfer, IBAN, or blockchain.
with your Raycash Card.
with your Raycash Card.
with your Raycash Earning Account.
with instant Raycash Transfer.
with your Raycash Card.
with Raycash Transfer, IBAN, or blockchain.
with your Raycash Card.
with your Raycash Card.
with your Raycash Earning Account.
with instant Raycash Transfer.
with your Raycash Card.
with Raycash Transfer, IBAN, or blockchain.
with your Raycash Card.
with your Raycash Card.
with your Raycash Earning Account.
with Raycash Transfer, IBAN, or blockchain.
with a Raycash business account.
with a Raycash business account.
with a Raycash business account.
with DeFi products on Raycash.
with your Raycash Card.
with Raycash Transfer, IBAN, or blockchain.
with a Raycash business account.
with a Raycash business account.
with a Raycash business account.
with DeFi products on Raycash.
with your Raycash Card.
with Raycash Transfer, IBAN, or blockchain.
with a Raycash business account.
with a Raycash business account.
with a Raycash business account.
with DeFi products on Raycash.
with your Raycash Card.
with Raycash Transfer, IBAN, or blockchain.
with a Raycash business account.
with a Raycash business account.
with a Raycash business account.
with DeFi products on Raycash.
with your Raycash Card.
All the features of a banking app — but with the control of cash.












Even if Raycash disappeared tomorrow, your funds wouldn’t. Any compatible wallet can always recover them.


Add money using £$€ or crypto
Add money from anywhere, any currency. Instant conversion to your private balance, solely under your control.


Make payments to anyone, anywhere
Send money worldwide, across borders, across currencies and it arrives in seconds.


Spend everyday with your Raycash Card
Pay in shops, spend on holiday and manage your subscriptions with your Raycash Card.


Grow money with your Earning Account
Earn interest while keeping full access to your balance. You can see your money at all times and move it or use it whenever you want.


Earn by investing in crypto and stocks
Grow your balance with vetted crypto and stock investments. Your money stays visible and instantly accessible.


Even if Raycash disappeared tomorrow, your funds wouldn’t. Any compatible wallet can always recover them.
Reserve your private beta spot — and say goodbye to bank collapses, frozen funds, slow transfers, and needless fees.
Raycash gives you the control of crypto, the privacy of banks, and the usability of an everyday money app.
| Raycash | Banks | Wallets | |
|---|---|---|---|
| Self-custody | |||
| Privacy | |||
| Compliance | |||
| Card & IBAN |