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.

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Spending account

$ 1,234.45

$

0.00
keyboard
iphone
Send money home

with instant Raycash Transfer.

Buy groceries

with your Raycash Card.

Pay your bills

with Raycash Transfer, IBAN, or blockchain.

Shop online

with your Raycash Card.

Spend when abroad

with your Raycash Card.

Save & earn interest

with your Raycash Earning Account.

Send money home

with instant Raycash Transfer.

Buy groceries

with your Raycash Card.

Pay your bills

with Raycash Transfer, IBAN, or blockchain.

Shop online

with your Raycash Card.

Spend when abroad

with your Raycash Card.

Save & earn interest

with your Raycash Earning Account.

Send money home

with instant Raycash Transfer.

Buy groceries

with your Raycash Card.

Pay your bills

with Raycash Transfer, IBAN, or blockchain.

Shop online

with your Raycash Card.

Spend when abroad

with your Raycash Card.

Save & earn interest

with your Raycash Earning Account.

Send money home

with instant Raycash Transfer.

Buy groceries

with your Raycash Card.

Pay your bills

with Raycash Transfer, IBAN, or blockchain.

Shop online

with your Raycash Card.

Spend when abroad

with your Raycash Card.

Save & earn interest

with your Raycash Earning Account.

Receive your salary

with Raycash Transfer, IBAN, or blockchain.

Take customer payments

with a Raycash business account.

Clear supplier invoices

with a Raycash business account.

Run your payroll

with a Raycash business account.

Invest in crypto to earn yield

with DeFi products on Raycash.

Manage subscriptions

with your Raycash Card.

Receive your salary

with Raycash Transfer, IBAN, or blockchain.

Take customer payments

with a Raycash business account.

Clear supplier invoices

with a Raycash business account.

Run your payroll

with a Raycash business account.

Invest in crypto to earn yield

with DeFi products on Raycash.

Manage subscriptions

with your Raycash Card.

Receive your salary

with Raycash Transfer, IBAN, or blockchain.

Take customer payments

with a Raycash business account.

Clear supplier invoices

with a Raycash business account.

Run your payroll

with a Raycash business account.

Invest in crypto to earn yield

with DeFi products on Raycash.

Manage subscriptions

with your Raycash Card.

Receive your salary

with Raycash Transfer, IBAN, or blockchain.

Take customer payments

with a Raycash business account.

Clear supplier invoices

with a Raycash business account.

Run your payroll

with a Raycash business account.

Invest in crypto to earn yield

with DeFi products on Raycash.

Manage subscriptions

with your Raycash Card.

All the features of a banking app — but with the control of cash.

AddMoney
iphone

Add money using £$€ or crypto

Add money from anywhere, any currency. Instant conversion to your private balance, solely under your control.

MakePayments
iphone

Make payments to anyone, anywhere

Send money worldwide, across borders, across currencies and it arrives in seconds.

Spend
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Spend everyday with your Raycash Card

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

Grow
iphone

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
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Earn by investing in crypto and stocks

Grow your balance with vetted crypto and stock investments. Your money stays visible and instantly accessible.

Spend Screen
iphone
Your money is yours, so why would we control it?
Raycash runs entirely onchain, powered by immutable smart contracts that give you — and only you — control over your money.
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.

RaycashBanksWallets
Self-custody
Privacy
Compliance
Card & IBAN

Get answers from our frequently asked questions.