Your money. Private. Yours.

Hold, send and spend stablecoins just like cash. One account, no bank account required, wherever you are.

[Self-custodial by architectureEncrypted by design with Zama's FHE]

All features.
With the control
of cash.

Everything you need for daily money, powered by stablecoins.

Add money or get paid
Add money or get paidTop up with fiat or crypto. Receive dollars and stablecoins.
Make payments
Make paymentsSend money to anyone, anywhere. Instant transfers within the Raycash network.
Spend by card
Spend by cardUse your Raycash card online or in-store, anywhere cards are accepted.
Pay bills
Pay billsPay bills directly from your Raycash account with your IBAN.
Save & earn
Save & earnSet aside funds and earn yield on your balance.
Self-custody
Self-custodyYour keys, your funds. Raycash never has access to your money.
Private by default
Private by defaultYour balance and transaction amounts stay off the public ledger.

ENOUGH OF WORKAROUNDS.

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.

THERE'S AN EASIER WAY.

Raycash.
One account.
Everything.

USDC, a card, an IBAN, and the ability to send and spend anywhere. One account in place of a crypto wallet and a bank account, now confidential.

Benefits

See everything in one place.

Your stablecoin balance, every transaction, one view, with an IBAN for incoming transfers and banking features.

See everything in one place.

Your funds stay yours.

Once money is in your Raycash account, only you can move it. That’s not a policy. It’s the architecture.

Your funds stay yours.

Your money is your business.

Your balance and transaction amounts stay off the public ledger.

Your money is your business.

Money that moves when you send.

No correspondent banks. No SWIFT delays. No one in between. Transfers within the Raycash network can’t be blocked.

Money that moves when you send.

How Raycash works.

Five-steps to a private, self-custodial money account.

Deposit
01

Deposit

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

Screen
02

Screen

Deposits go through a short screening window before privacy is applied. This is how Raycash keeps the account compliant.

Go private
03

Go private

Cleared funds become a private balance. Your amounts are no longer visible on the public blockchain.

Use
04

Use

Spend, save and send while your balance and amounts stay private. Your IBAN handles incoming fiat payments.

Exit
05

Exit

Convert back to standard stablecoins 1:1, any time. No lock-in, no permission required.

COMPETITION

Built differently.

Most products trade off control, privacy, or usability. Raycash removes the trade-off.

Raycash
Traditional
banks
Crypto
wallets
COMPOSABLE WITH DEFI
Yes
No
Yes
SELF-CUSTODIAL
Yes
No
Yes
PRIVACY
Yes
Yes
No
BANKING FEATURES
Yes
Yes
No

Frequently
asked questions

Be here from
the start.

Raycash is in private access. Join the waitlist and you'll be among the first in the next wave.