TWO ENGINES · ONE GOVERNED RECORD

Trade first.
Finance when ready.

Ray turns an opaque shipment into an auditable Trade Case. Financial tools become available only when the evidence supports them.

See Account See Trade
THE PLATFORM MODEL

Prepare the trade.
Activate finance.

Ray simplifies global trade via re-structuring the process around the object, and embedding financial tools to store, convert and move own or loaned funds connected it.

THE TRADE

Prepare and prove the trade.

  • GOODSDefine and verify the asset.
  • ADMISSIONAssemble admissible evidence.
  • TERMSDocument obligations and rules.
  • MOVEMENTTrack logistics and milestones.
TRADE CASERAY-TXN-2268B06B0EC2
  • Goods
  • Parties
  • Terms
  • Documents
  • Movement
  • Events
  • Decisions
VERIFIED EVIDENCE
THE ACCOUNT

Activate financial tools.

  • ACCOUNTSMulti-currency balances via providers.
  • ESCROWFunds held under agreed conditions.
  • FX & PAYMENTSQuote, convert, instruct, and reconcile.
  • CREDITProvider decision, funding, and repayment.
TRADE PASSPORT · SHARED DATA LAYER

One governed record for every Trade Case and its evidence.

RAY-PASS-2268-B06B

LICENSED / CONTRACTED PROVIDERS EXECUTE.

THE MARKET EVIDENCE

Huge demand.
Measurable gap.

The market is large and short-term defaults have historically been low. The missing layer is visibility, verification, and control.

GLOBAL TRADE · 2024$33T

Annual global trade

DOCUMENTARY FRICTION>90%

Trade uses paper or PDF

THE TRADE-FINANCE TENSION
$2.5TTRADE-FINANCE GAP

Unmet demand ≈10% of global trade

0.03%–0.24%HISTORICAL DEFAULTS

4.5M short-term transactions · $2.4T

FINANCE GAP · ≈10% OF GLOBAL TRADE

Reference scale: 0–100% of global trade.

HISTORICAL DEFAULT RANGE · 0.03%–0.24%

Reference scale: 0–1% default rate.

SOURCES: ADB GLOBAL TRADE FINANCE GAP SURVEY (2025) · ICC TRADE REGISTER HISTORICAL SHORT-TERM TRANSACTION DATA

ONE PLATFORM · TWO LAYERS

The trade creates the right
to use the financial tool.

Ray unifies commercial control and financial orchestration in one governed flow—from proving the trade to activating the tools that move it.

RAY BANK

The financial orchestration layer

Connects a cleared Trade Case to external account, safeguarding, FX, payment, or credit capability.

  • Provider connectivity and consent
  • Settlement, escrow, FX, and credit requests
  • Attributable provider events and finality
  • Monitoring, reconciliation, and reuse
PROVIDERS EXECUTE · REGULATED ACTIVITY
ONE
RECORD
RAY TRADE

The commercial control layer

Prepares, admits, and governs each Trade Case before a financial method is invoked.

  • Trade admission and evidence states
  • Corridor and commodity gates
  • Exceptions, roles, and provider readiness
  • Audit trail and trade reputation
RAY OWNS · ECONOMIC PERMISSION

Regulated execution remains with licensed or contracted providers unless and until Ray holds the applicable permissions.

RAY TRADE TODAY

Execution underway.

Commercial, product, and regulatory progress.

DEAL PIPELINE

First deals in progress

Enabling $100M+ in annual agricultural trade.

PRODUCT

Working prototype

The core trade-governance workflow is live and being tested.

FINANCIAL LICENCE

Licence work in progress

The regulatory path to enable Ray Bank is underway.

BUILD FROM THE TRADE

Turn the next shipment into a governed record.

Make the commercial event legible before asking capital or a payment provider to act.

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