Make stablecoins your everyday spend.

Access USD, deposit stablecoins, send instantly, and spend globally with your Raycard.

Are you still using three things to do one thing? A wallet for crypto. A bank account for day-to-day spending. A transfer app to move between them.

None of them talk to each other. None of them give you the full picture. And some of them leave a public trail of your financial life.

All features. With the control of cash.

Top up with fiat or crypto. Receive dollars and stablecoins.

with Raycard.

Stablecoin (USDC)

Deposit using stablecoin with low fees.

Bank transfer

Transfer funds from your bank.

Debit or credit card

Add funds instantly with your card.

Deposit

Deposit USDC or USDT. Funds arrive like any normal transfer.

9:41

Total balance

#^¥&%₦

Store

Keep your balance confidential by default, with amounts visible only to you.

June 08

Grow

Earn yield on your idle balance through Morpho, directly from the app.

McDonalds

22 Feb, 11:47

-$30.22

Oliver Wilson

22 Feb, 18:30

$30.22

Vault deposit

22 Feb, 11:47

-$30.22

Spend

Use your balance to pay and send money whenever you need it, just like cash.

Yes. Your wallet is created through Privy and the keys stay on your side, so nobody at Raycash can move or freeze your money. Signing in feels like any other app; the account underneath belongs to you.
Yes. You can set up more than one way to sign in, so a lost phone or a forgotten password doesn't lock you out. Add a second method when you open your account and there is always another route back in.
For now Raycash runs on dollars. Deposit any token from any chain and it converts to cUSDC on Polygon automatically, so you end up with one balance instead of a portfolio to manage. Running on a single rail is what lets us cover gas for you and keep the app as quick as the best banking apps. Support for more currencies is on the roadmap.
Yes. Raycash is built for the phone, for everyday spending. Join the waitlist and we will email you when the download is ready.
Your balance and the amounts you send stay encrypted. Raycash uses the Zama Protocol, so payments settle on a public blockchain without putting the numbers on it. You choose who sees them.

Raycash is free to join and open to everyone. Sign up today and start optimizing how money moves in your world, at any scale.