One account.
One card.
Smart investments.

The Stone Age is over, and so is your traditional account. At Rayn, we've harnessed the latest AI and Blockchain technologies to optimise your money management and offer daily returns. Earn up to 17.8% annually while enjoying exceptional customer service based in France.


Reliable & Registered

Made in France

Our Customer service, R&D offices, developers and designers are based in the south of France.


We operate with the highest information security standards to make Rayn one of the safest apps.


We maintain registrations with various European regulators and consistently adhere to all applicable laws and regulations.


Dedicated IBAN account & exclusive Visa card

Get your IBAN in 5 minutes, and seamlessly send and receive euros across 36 countries.

Spend smart with your Rayn card by paying directly with the funds available in your accounts.

daily earnings

Achieve financial freedom

Whether you want to save daily or plan for future expenses, our innovative savings accounts are here to help you earn up to 17.8% annually with daily returns.



Based in France and just a phone call away

Our clients, our top priority. Our customer service is available at all times to assist and welcome you to the Rayn community.

From resolving technical issues to providing tailored solutions, we are here to ensure your satisfaction. We listen, understand, and resolve your concerns because your success is our ultimate aim.

Get started

Easy as 1, 2, 3

Achieve dream projects with powerful savings plans, invest in crypto while preserving your capital, or pay with crypto — tap into our app's endless possibilities.


Let's create your account.

After downloading the app, register using your ID and proof of address in minutes with our rapid validation system


Make your first deposit

Activate your account, make a bank transfer to your Rayn account and it’s time to put money to work!



With full access to the most advanced wealth management app, you are now in control of your financial future

You want to

Start saving for a specific goal ⭐

Invest in crypto safely ☂

Live off earned daily interest 🔥

Pay using cryptocurrency 💳

Enjoy seamless banking services 🏦

The platform for managing your account, savings, and investments. logo


240 rue Evariste Galois,

06410 Biot,

Sophia Antipolis

Automata Pay

65-66 Warwick House 4th

Floor, Queen Street, London

England, EC4R 1EB

Automata ICO Ltd

3rd Floor Ormond Building,

31-36 Ormond Quay Upper,

Dublin 7, D07 Ee37

Automata Pay Europe Ltd

3rd Floor Ormond Building,

31-36 Ormond Quay Upper,

Dublin 7, D07 Ee37

Automata ICO Ltd

Italian Branch

Via Archimede, 161,

00197 Roma


The purchase of digital assets is subject to a high market risk and price volatility. Changes in value can be significant and occur rapidly and without warning. Past performance is not a reliable indicator of future performance. The value of an investment and returns can fluctuate both up and down, and you may not recover the amount you invested.

Automata ICO Limited, a Company incorporated in Ireland with its registered office at 3rd Floor Ormond Building, 31-36 Ormond Quay Upper, Dublin 7, D07 Ee37, Ireland registered in Ireland under number 690280 has applied for a Virtual Asset Service Provider registration with the Central Bank of Ireland. Whilst the application is ongoing, we are permitted to continue business as a Virtual Asset Service Provider in line with the Central Bank of Ireland's regulatory disclosure statement as required under section 106L of the CJA 2010 in relation to registered VASPS.

Automata ICO Limited, a Permanent Establishment incorporated in Italy with its registered office at Via Archimede, 161, Roma, Italy, and registered in Italy under number 96550860587 with the Organismo Agenti e Mediatori (OAM) as a Virtual Asset Service Provider (VASP).

Automata France SAS is a company registered in France with the company number 902 498 617. Automata FRANCE SAS is registered with the french Financial Market Authority, l’Autorité des marchés financiers (“AMF”), as a provider of Virtual Asset Service Provider under number E2023-087.

Automata Pay Europe Limited is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act.