What makes Rayn different from its competitors?

Euro deposits are losing value because of inflation. Many new apps have already disrupted current accounts (Budgeting tools, etc.), but they focus only on spending.

Rayn makes current accounts obsolete by allowing people to spend directly from their Euro savings account that generates daily interest with a yearly gain of up to 6%. You can spend euros that are being generated by Euros. All these while maintaining the highest standard established by modern money management platforms.

Traditional savings accounts offer mainly low to 0 returns while money is not available for spending.

Rayn creates a user-friendly savings vault, that you can share with friends and family and plan for the future. But unlike competitors who also offer this kind of vaults, you earn directly on your euro deposit with daily payouts, receive interest rate up to 6% APY plus the possibility to withdraw anytime with no fees whatsoever and spend directly from that savings account with a VISA card : the Wealth Card.

Investment is risky and complicated. Special tools exist but only for the Elite in private banking or with expensive advisors.

Rayn’s WealthBot trades in crypto on people’s behalf thanks to proprietary algorithms, adapting to people’s risk appetite, reducing strong volatility, emotional decision-making and large drawdowns. People will also be able to trade directly in crypto assets or stocks. They do so with Rayn’s highly educational content (news, community insights) and market sentiment (algorithms indicate if it’s bearish or bullish in the short and medium turn, and our expert trader shares his technical analysis)

Neobanking features have already been disrupted with instant notifications, worldwide payment without fees, metal cards, sending money to a friend, etc. They have set a new standard. This standard is applied on Rayn.

Most banking apps mainly focus on facilitating payments - on spending. Rayn focuses on boosting savings. Our ambition is not to become people’s new current account like most competitors but to become people’s new savings account, their tool to generate wealth with 24/7 access, on top of the latest disrupted spending features most competitors offer.

Cryptocurrencies went from being used for the Dark web, to being a highly speculative asset. People want to make a million out of a thousand without caring about the project behind the coin itself.

The utility is the next step, people demand real utility on crypto

We create the utility by leveraging DeFi to transform the way people manage their savings and by linking all of your assets (Savings account, Cryptocurrencies, stocks, Robo advisor) directly to a VISA payment card: The Wealth Card.

Rayn opens new doors and new ways to define money: No more borders: exchange anything to anything (Tesla to Ethereum) and access your money anytime, spend it while it’s generating interest without touching your original deposit.