Rayn money

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.
Traditional savings reimagined with the Flex Vault up to 6.5%
The Flex Vault offers an innovative investment solution with the potential for high returns through euro-collateralized digital assets.
By diversifying your investment across key themes such as real estate and a mining program, our Flex Vault aims to maximize the potential of your investment.
Embark on a dynamic savings journey with the Term Vault up to 10%.
Enjoy higher returns compared to the Flex Vault. Lock in your investment for just 12 months to earn interest rates of up to 10%*, significantly higher than traditional savings solutions.
Blockchain Vault for high returns up to 19%
With your investment in the Blockchain Vault, you participate in the Bitcoin mining process by renting a portion of computing power to Rayn to make it available to the Bitcoin network.
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.