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COMPANY detail
RAYCASH CARD
Your money. Private. Yours.
PRE-LAUNCH
This card is not yet live. Features, terms, and benefits are based on publicly available information and preliminary specifications and may change prior to launch. This breakdown will be updated as additional details become available and once the card officially launches.
CARD FEATURE OVERVIEW.
CARD NAME
RAYCASH CARD
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
RAYCASH CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
Last Updated: Sep 18, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
- No traditional seed phrase. Raycash uses Privy-based wallet recovery and supports multiple authentication methods.
Raycash uses privacy-preserving architecture for account balances and transactions. Do not describe the system as fully zero-knowledge or claim that Raycash can see all plaintext balances/transactions unless explicitly confirmed by current product documentation.
Rolling spending allowances let users authorize card spending up to a predefined limit, reducing the need to approve every individual payment. The exact allowance limits and authorization mechanics should be verified before publication.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Self-custodial
- FHE privacy keeps balance and amounts hidden from third-parties onchain
- $0 fees across the board: account, card, transfers (SEPA/SWIFT/ACH), onchain deposits and withdrawals
- IBAN included for fiat inbound/outbound transfers; ACH supported
- Virtual card issued instantly; physical card optional and free
- Yield on balance
- Raytag P2P: instant private transfers between Raycash users
- Rolling allowance model: user sets daily spend ceiling; large moves require explicit signing
CONS
[ LIMITATIONS ]
- Pre-launch
- No cashback program
- Limits not published
- ATM withdrawal availability unclear
- No seed phrase backup, recovery tied to login method
GENERAL QUESTIONS.
Raycash is a self-custodial global money account powered by private digital dollars.
Yes. You hold your own keys. Raycash never has access to your funds or your balance.
Download the app, create an account, and deposit USDC or USDT. No bank needed. Takes less than 2 minutes.
No. Raycash is designed to feel like a normal banking app.
Visit docs.raycash.xyz for technical details.