RAYCASH CARD Your money. Private. Yours.
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 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 |
No seed phrase. Recovery depends entirely on your login method (email/phone/social). Lose all of them = lose your funds permanently.
Raycash CAN see your balance and transaction amounts despite FHE encryption. The FAQ says "only you," but the Privacy page admits Raycash sees everything for compliance, support, fee reporting, and card settlement. This is bank-level privacy, not zero-knowledge.
Rolling allowance = convenience + risk. You set a daily spend ceiling (e.g. $500/day). Anything below it spends without your explicit signature.
Your IBAN/ACH account can be frozen by Raycash for compliance. The protocol guarantees you can always unwrap to cleartext USDC and leave, but your banking rails (card, IBAN) can be suspended without recourse.
THE REAL STORY ON THIS CARD.
- 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
- Apple Pay, Google Pay, and 3D Secure (biometric push) supported
- Yield on balance (~3%) without staking or locking
- Raytag P2P: instant private transfers between Raycash users
- Rolling allowance model: user sets daily spend ceiling; large moves require explicit signing
- 77 supported countries across 5 regions
- Pre-launch, app not yet available; waitlist only
- No cashback program
- Limits not published; tied to undisclosed KYC tiers
- ATM withdrawal availability unclear
- Physical card shipping address limited to verified KYC address
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.
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