Moving money

Raycash sits between traditional banking rails and onchain stablecoins. You can move money in and out through whichever one fits the situation.

Money in

Bank transfer

Share your Raycash IBAN with the sender and they wire you EUR. It lands as a confidential stablecoin balance in your account. Full details in Accounts & IBAN.

Onchain deposit (USDC)

1. Open Deposit → Onchain in the app.
2. The app shows you a unique deposit address for this deposit, with a QR code.
3. Send USDC to that address from any wallet or exchange.
4. Most deposits clear within minutes and your balance updates.

Every time you start a new deposit, the app generates a fresh address. This is intentional — reusing the same address would let your payers see who else is paying you and reduces your privacy. Your money isn't lost if you reuse an old address, but we always recommend using a new one.

If you want the technical picture, see Protocol → Deposits.

From another Raycash user

If someone on Raycash sends you money, it arrives instantly and privately. The amount stays hidden from anyone watching the chain. No fee.

Money out

Onchain withdrawal

Tap Withdraw → Onchain, paste the destination address, and confirm the amount. The app sends USDC to that address. Typically lands in under a minute.

Bank transfer out

Send from your balance to an external IBAN from the app.

Spending via card

The fastest everyday exit. Your card pulls from your balance at the moment of purchase. See Cards.

Sending to another Raycash user

Three ways:

• Raytag — type their Raycash raytag
• QR — scan their code
• Request link — they send you a URL that pre-fills the amount and recipient

Transfers are instant. The amount is hidden from anyone watching the chain — only you, the recipient, and Raycash see it.

Timing & confirmations

Limits

Daily and monthly caps depend on your account tier and region. See Fees & limits and the in-app Settings → Limits for your specific numbers.