about Rayn

Bring your money to life

Empower your wealth to fuel your dreams and pave the way to financial independence. With the power of artificial intelligence (AI) and Blockchain, Rayn is on a mission to revolutionise banking services and unlock the doors to financial freedom.


Reinventing the banking infrastructure and ushering in financial freedom

Having the ability to invest one's money and access innovative financial services is crucial in our society. Our goal is to provide cutting-edge solutions to as many individuals and businesses as possible. Thanks to Blockchain and artificial intelligence, we aim to offer high-yield, flexible, accessible, and secure financial products to everyone.

The company

Over 50+ talents

A diverse team from various backgrounds, all united in a mission to radically transform our relationship with money.

Meet the team


CEO & Founder


Managing director Europe & Co-founder


Chief Product Officer & Co-founder




Executive Director (France) & General Administrator


Head of Customer Service

Benjamin MESSIKA

Head of Compliance


Lead R&D WEB3

our locations

We’re located in major technology hubs across Europe.

Sophia Antipolis, France

240 Rue Evariste Galois 06410 Biot

Dublin, Ireland

3rd Floor Ormond Building, 31-36 Ormond Quay Upper, Dublin 7, D07 Ee37

Berlin, Germany

Moving to a larger new office!

Dubai, United Arab Emirates

Moving to a larger new office!

Frequently asked questions

What makes Rayn different from its competitors?

On Rayn, the security is our priority, our platform is highly secured by safety features in the App :

  • 2FA system
  • PCI DSS Security standards
  • GDPR regulated

We maintain registrations with European regulators, indeed, our entities in Ireland, England and Wales are authorised, as EMI*, to issue and manage e-money on behalf of our users. Moreover, our VASP* registrations in France and Italy allow us to provide services related to virtual assets.

We have obtained the VASP registration in Italy and in France but we have also EMI partners in United Kingdom and Ireland, to secure our users funds.  

Our customer support is based in France, available, reactive and personalized.

We have made a partnership with VISA for our Akt.io debit cards that allow you to pay in 40+ millions shops all around the world!

* Electronic Money Institution 

* Virtual Asset Service Provider 

* Payment Card Industry Data Security Standard 

We partner with Modulr for the banking and payment services

Rayn and Modulr partner to provide banking services such as bank transfer or IBAN creation and for card payments.
Modulr is authorised and regulated as an Electronic Money Institution (EMI) by the Financial Conduct Authority (FCA) in UK and by the De Nederlandsche Bank (DNB).

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

rayn.finance logo


240 rue Evariste Galois,

06410 Biot,

Sophia Antipolis

Automata Pay

65-66 Warwick House 4th

Floor, Queen Street, London

England, EC4R 1EB

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. RISK WARNING

Automata ICO Limited has a branch 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. How we keep your money safe.