Grow your savings with Flex vault

Our Flex Vault allows you to generate gains with compound annual rates up to 5% per year (up to 6.5% with our Ambassadeur program) thanks to an intelligent allocation composed by Blockchain technology giving access to decentralized finance (Protocol Defi MIMO Capital) and the exploitation of the Bitcoin blockchain (Cloud mining).

Flex Vault also offers greater flexibility: you can deposit and withdraw whenever you like, with no limits. Your returns are calculated and credited on a daily basis, so you can enjoy them 365 days a year.

• You have the choice: deposit in EURO or USDC.
• Once the deposit is made, the EURO or USDC is exchanged for various Tokens whose nature is determined according to the type of investment compartment of the Flex Vault Allocation. In other words, in exchange for these EURO or USDC, you will receive various Tokens linked to the investment compartments recommended by the Flex Vault Allocation. This conversion is carried out through an OTC (Over-the-Counter) mechanism.
• The Flex Vault Allocation is specified on the confirmation page of each deposit and can be consulted at any time in the "How it works" section of the application.
• The Flex Vault Allocation indicates the current distribution in a given Flex Vault of the deposit between (i) a reserve in EURO, and various investment compartments linked to (ii) Digital Assets, and (iii) the Mining Program or Cloud Mining (**) as defined in article 4.2.8 of these T&Cs.
• Through this strategic allocation diversification, RAYN is able to offer a compound rate of 5% to 6.5%* per year depending on participation in the Ambassador program.

*Please note that these returns are not fixed and may change depending on market conditions.

**RAYN Cloud Mining Program

RAYN through its subsidiaries has established partnerships with third-party entities (including Hearst, Bitmain) to offer bitcoin mining services (the " Cloud Mining Program ") to its users.
Bitcoin mining is a process that involves creating new bitcoins by using computers to solve mathematical problems through a process known as Proof of Work. This process requires significant computing power and electricity consumption.

The Mining Program allows the Flex Vault user to rent computing power(hashrate) from mining machines owned by RAYN subsidiaries and operated by RAYN Partners (" Cloud Mining "), in return for daily rewards earned in bitcoins and converted by the relevant provider into PAR (the " Mining Rewards ").

Ensuring the safety of your funds is paramount to us, which is why we've partnered with Mimo Capital AG, a European entity registered with the Financial Market Authority of Liechtenstein (FMA) as a technological service provider. This collaboration enables us to introduce an innovative product to the Blockchain ecosystem: the Flex Vault.

You can create up to 5 Flex Vaults!

Compound interest is calculated on both the initial capital amount and the accumulated returns on that same capital. In other words, compound interest is not only applied to the initial capital but also on the interest already credited.

Your returns are credited daily! Note that only the investment compartments actually held in your Flex Vault will generate interest.

If you make your deposit into the Flex Vault, your returns will be credited the next day. This allows us to collect the funds and invest them in various allocations.

If you make your deposit after the daily interest payouts have been triggered, the first payout will occur 2 days later because your funds could not be collected in time to be made available.

You have the freedom to withdraw your funds at any time! You have two options:

Please note that transaction fees will apply if you choose to withdraw in USDC, depending on your subscription (more details on this page).