Rayn money 4+

One account. One card. In 5 minutes. Build your financial future with 5-6.5% APY on savings, access easy automated investing and enjoy our devoted customer service based in France. Rayn is proudly made in France and regulated in Europe.

Build your future with up to 6.5% APY
Say goodbye to traditional savings accounts, offering low risk but low to no return. Secure your financial future, watch your savings grow faster, and realise your projects sooner with our innovative vaults:
Flex Vault: Powered by blockchain technology, Flex Vault allows you to earn 6.5% APY (a fixed rate for Ambassadors, 5% for non-Ambassadors) with daily earnings payouts and enjoy 24/7 access for withdrawals.
Blockchain Vault: Receive up to 20% APR on your long-term savings.

Easy, automated investing
Advanced wealth management technology is ready to help simplify your digital asset investments. In a few simple taps, let our AI maximise your investments while preserving your capital.

Made in France, regulated in Europe
Rayn is registered permanently as VASP in France and Italy and temporarily registered as VASP in Ireland, allowing Rayn to provide digital asset services in Europe.

Devoted customer service
Our customer support team is based in France, available via email and phone to assist you with technical issues from Monday to Friday.

Pay by your rules with Rayn Visa card
Live off interest and spend your in-app earnings, euros, or assets anywhere, anytime with our sleek card available in metal, Bio PVC, black or white.

IBAN & SEPA transfers
Upon onboarding as a customer, you will receive your dedicated IBAN, allowing you to make deposits and utilise your account immediately. Plus, enjoy free euro transfers across 36 countries, thanks to SEPA transfers.

Referral
Invite friends and family to join the new financial future and everyone wins! By sharing your referral link with your loved ones, you can earn on your friends’ in-app activities and both of you can get up to 200 € of AKTIO Welcome bonus for each successful referral.

Euro and Cryptos
Enjoy our app and its products using only euro, crypto, or both. The choice is yours.

Security is our priority
Security is at the forefront of our company’s priorities. We implement the best industry security measures to protect and secure the data and information of our customers. All funds deposited within the app are stored by our third-party e-money provider partner.