Getting Started
What is Raycash?
Understand what Raycash is and who it's for.
Raycash is a banking app rebuilt onchain. It combines the self-custody guarantees of crypto wallets with the privacy of traditional banks and the usability of everyday money apps — IBAN, cards, instant transfers.
Under the hood, Raycash uses Fully Homomorphic Encryption (FHE) to keep your balances and transfer amounts encrypted on-chain. Even validators and block explorers cannot see how much you hold or send.
What makes Raycash different?
| Feature | Raycash | Banks | Wallets |
|---|---|---|---|
| Self-custody | Yes | No | Yes |
| Privacy | Yes | Yes | No |
| Compliance | Yes | Yes | No |
| Card & IBAN | Yes | Yes | No |
- Self-custody — Your money is controlled by your keys, not a bank. Even if Raycash disappeared, any compatible wallet can recover your funds.
- Privacy — Balances and transfer amounts are FHE-encrypted on-chain. No one can see your balance except you.
- Compliance — On-chain KYC attestations enable regulatory compliance without sacrificing privacy.
- Card & IBAN — Spend with a Raycash Card, receive salary via IBAN, send transfers globally.
Who is this for?
- Users — Anyone who wants a private, self-custodial banking experience. Add money, send payments, spend with a card.
- Integrators — Developers building on top of the Raycash protocol. Integrate counterfactual deposits, wrap/unwrap flows, or FHE-encrypted transfers into your application.
- Operators — Teams running Raycash infrastructure. Manage KYC attestations, hook configurations, deposit monitoring, and settlement operations via the admin dashboard.
Next steps
- Architecture — Understand the system layers and how contracts interact
- Key Concepts — Learn about FHE, confidential tokens, and two-phase operations
- Protocol — Dive into the protocol design and individual contracts
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