RayLay Case Studies

Discover how diverse businesses are achieving transformative results by integrating RayLay's lean payment orchestration.

ShopWave: Global E-commerce Acceleration

ShopWave, a rapidly growing e-commerce platform with a €5 million monthly processing volume, faced significant headwinds from high international transaction fees and slow settlement times, which averaged 3.5% and 3 days respectively.

The Challenge:
High processing fees, particularly for cross-border sales, were eroding margins. Protracted settlement periods tied up crucial working capital, hindering inventory management and growth initiatives.
The RayLay Solution:
ShopWave integrated RayLay Checkout. This allowed them to leverage RayLay's optimized on-ramp aggregation for their customers' card payments, with final settlement occurring near-instantly on the Solana blockchain using USDC.
The Results: A Paradigm Shift
  • Cost Reduction: Average processing costs plummeted to approximately 1.8%, delivering a direct 48% saving on fees.
  • Speed Revolution: Settlement times were slashed from 72 hours to under 1 second.
  • Capital Efficiency: Improved working capital efficiency by an estimated 15%, freeing up funds.
  • Market Expansion: Enabled ShopWave to offer competitive pricing and small discounts on international orders, boosting global sales.

MediaStream: Subscription Model Reinvented

MediaStream, a digital content subscription service with 50,000 monthly subscribers at an average of €20/month, struggled with the cumulative cost of traditional recurring payment fees and chargeback complexities.

The Challenge:
Recurring payment fees, often around 3% plus fixed costs per transaction, significantly impacted profitability on their high-volume, lower-value subscriptions. Managing chargebacks was also a considerable operational overhead.
The RayLay Solution:
MediaStream utilized the RayLay API to manage its recurring billing logic. Customer payments, whether initiated via optimized fiat on-ramps or directly with crypto, were settled as USDC on Solana within RayLay's ecosystem.
The Results: Enhanced Profitability & Flexibility
  • Massive Savings: Achieved an estimated €40,000 per month reduction in payment processing fees.
  • Improved Cash Flow: Instant settlement of subscription revenues eliminated the need for substantial cash floats to cover operational payouts.
  • Reduced Risk (Exploratory): Began offering SOL/USDC payment options for specific subscription tiers, noting a significant reduction in chargeback instances for these payment methods.

TradeBridge: Unlocking Global B2B Commerce

TradeBridge, a B2B marketplace connecting European manufacturers with global buyers, was hampered by the high costs and slow speeds of traditional cross-border wire transfers and FX conversions for their high-value transactions.

The Challenge:
FX conversion fees often reached 3-5% per transaction, and international wire transfers could take up to 5-7 days to clear. This friction significantly slowed down trade velocity and added substantial hidden costs.
The RayLay Solution:
TradeBridge implemented RayLay for invoicing and international payments, actively encouraging its users to settle transactions in USDC on the Solana blockchain. RayLay facilitated the efficient on-ramping of various fiat currencies to USDC.
The Results: Frictionless International Trade
  • FX Cost Obliteration: For transactions settled in USDC, FX conversion fees were virtually eliminated, representing a 3-5% saving per transaction for users.
  • Instant Cross-Border Settlement: Payment finality was reduced from multiple days to mere seconds, 24/7.
  • Accelerated Operations: Faster payment confirmation enabled quicker order processing and shipment, improving the entire supply chain efficiency.
  • Volume Growth: Now processing over €20 million monthly through RayLay-facilitated rails, with increased user satisfaction.