Investor Relations
RayLay is not just another payment processor; we are building the foundational rails for a multi-trillion dollar market ripe for disruption. Discover why RayLay represents an unparalleled investment opportunity.
Tapping into a Colossal Market
The global payments landscape is vast and continues its exponential growth. However, incumbent systems impose an estimated $100 - $200 Billion annually in excess fees on businesses due to outdated infrastructure and layers of intermediaries. This is the inefficiency RayLay directly addresses.
RayLay targets not only direct merchant processing but also B2B payments, cross-border remittances, and can even serve as an ultra-efficient settlement layer for other FinTechs and PSPs.
The RayLay Investment Thesis: A Multi-Billion Dollar Opportunity
RayLay is poised to capture a significant share of the global payments market by fundamentally re-engineering the cost and speed of transactions. Our Lean Orchestration Model, leveraging optimized fiat-to-crypto on-ramps, the unparalleled efficiency of the Solana blockchain for settlement, and near-free fiat off-ramps via merchant-controlled exchange accounts, offers a 10x improvement in cost and speed over legacy systems.
- Massive Addressable Market: Targeting the $20T+ digital payments and $8T+ e-commerce sectors.
- Disruptive Cost Structure: Potential to reduce merchant fees from 2-6% down to an effective ~0.2-0.5% (RayLay fee) + optimized on-ramp costs.
- Unmatched Speed: Sub-second global settlement vs. 2-7 day traditional settlement, unlocking working capital.
- Scalable Technology: Solana's architecture supports enterprise-level transaction volumes.
- Strategic Partnerships: Leveraging best-in-class on-ramp aggregators and major exchanges (e.g., Coinbase for off-ramps).
- E-commerce Integration: Planned plugins for Shopify, WooCommerce, Magento, empowering millions of online merchants.
- B2B & PSP Settlement Layer: Potential to serve as an underlying high-speed, low-cost transactor for other FinTechs, payment processors (Stripe, Adyen), and large enterprises.
- Strong Monetization Path: Transparent, lean percentage fee on processed volume, plus future value-added services.
We are not just optimizing fees; we are enabling new business models and unlocking global commerce potential previously stifled by inefficiency. This is a foundational play with billion-dollar revenue potential.
The Problem RayLay Solves (Visualized)
RayLay strips away unnecessary layers, directly connecting efficient services.
Key Differentiators
- Lean Orchestration Model: Focus on connecting best-in-breed services, not rebuilding everything.
- Solana-Native Settlement: Unlocks unparalleled speed and cost efficiency for the core value transfer.
- Merchant-Controlled Exchange Off-Ramp: Utilizes existing, highly efficient (often free) fiat withdrawal paths via major exchanges.
- Abstracted Developer Experience: Making blockchain benefits accessible without requiring deep crypto expertise.
- Transparent & Low RayLay Fee: Clear, minimal percentage fee for orchestration, passed savings to merchants.
- Focus on USDC: Leveraging a regulated, liquid stablecoin for core settlement minimizes volatility.
Key Financial Projections & Milestones
We project reaching [X Processing Volume, e.g., $1 Billion] annually within [Y Years, e.g., 3 years] with a target net revenue margin of [Z%, e.g., 0.15% after all operational costs].
Next 12-18 Months: Secure seed/Series A funding, finalize EMI/VASP licensing, launch MVP with key e-commerce integrations (Shopify, WooCommerce), onboard first 100 enterprise/high-volume merchants, achieve [$X M] in processed volume.
View Detailed Financial Model (NDA Required)Investment Opportunity
We are currently seeking [Seed/Series A] funding of [$X Million] to finalize product development, scale our operations, accelerate merchant acquisition, and expand regulatory coverage.
This is an opportunity to invest in a foundational technology that will redefine payment processing for the digital age, capturing substantial market share from inefficient incumbents.
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For detailed financials and due diligence materials, please contact [email protected].