Welcome to Raycash

Welcome to the bank you've always wanted. Raycash is banking rebuilt from first principles on open rails — truly yours, private by design, and at home anywhere in the world. One app for everything money: an IBAN to get paid, a card to spend, instant global transfers, and the certainty that your funds are always under your control.

Bank-level privacy

Your bank knows your balance and your transactions. A random person on the street does not. That's the privacy model everyone is used to — and it's the one Raycash brings onchain.

On a non-private stablecoin, your balance and every transfer amount are public. Anyone with a block explorer — validators, chain-analytics firms, your ex, a curious coworker — can look up an address and see exactly how much it holds. That's a much weaker privacy model than a bank account.

Raycash keeps your amounts hidden from unauthorized third parties: validators, block explorers, chain-analytics firms, other users. Raycash itself can see them — that's how we run compliance, support, and the card program, just like a bank. The difference from a bank is that we can't move your money, only you can.

Under the hood this is done with advanced cryptography so balances and transfer amounts stay encrypted onchain. If you want the deep dive, see FHE & encryption.

What makes Raycash different?

• Self-custody — Your money is controlled by your keys. Even if Raycash disappeared, any compatible wallet can recover your funds.
• Bank-level privacy — Balances and transfer amounts are encrypted onchain. Unauthorized third parties cannot see them.
• Compliance — Onchain KYC attestations let us meet the same regulatory bar as a bank without publishing your balance to the world.
• Card & IBAN — Spend with a Raycash Card, receive salary via IBAN, send transfers globally.

Where to go next