Raenest's January 2026 Roundup

People say January is a long month, and they’re not wrong. It drags its Mondays, slows its mornings, and inches time forward like the year is still deciding whether to begin. Still, I like to think January asks a gentler question than we usually give it credit for. Questions like: What are we choosing to care about this year? What are we choosing to build, to plan, to spend our energy on? And perhaps the most important question of all: what needle are we actually trying to move? 

While you spiral on your needle, lightly or otherwise, chaotically as I did last night, I want to share the needle we are focused on at Raenest. We’re building tools that let people earn globally, move money with confidence, and shape lives not defined by borders. In service of that focus, here’s what we were up to in the first month of the year.

Product Update

We now have the best rates in the market

Earlier this year, we introduced conversion fees as part of building a more sustainable platform. You told us how those changes translated for you, especially as your income grew and transactions became more frequent, and we listened. So we’ve refined things further by lowering our fees and adding something extra: you now get four free deposits every month. Here’s a glance at our fee:

• Lower conversion fees: We now charge 0.5% for currency conversion, with a minimum of $0.25 and a maximum of $2.70. By contrast, many banks and legacy payment providers charge 2%–5% per transfer, and some digital platforms charge 1%–2% with no cap. 
• More free deposits: You now get 4 free deposits every month for ACH, USDC, USDT, EUR, and GBP deposits. This means your first 4 deposits in the month are not charged, and you can receive money more frequently without paying fees upfront, especially for recurring inflows. 
• Flat fees for ACH and stablecoins: After the free deposits, ACH, USDC, and USDT deposits carry a flat $1 fee, regardless of transaction size. Many providers use percentage-based fees that grow with the amount, making larger deposits more expensive. Raenest’s flat fee keeps costs predictable, which is especially helpful for freelancers and businesses sending or receiving multiple payments.

To learn more about our fees, read our blog.

U.S. Stocks are now on Raenest

We’ve been building Raenest to help you do more than just move money; we want to help you grow it, too. That’s why, as announced at Raenest Exchange, we introduced U.S. Stocks and ETFs for you to invest in and grow your wealth. With as little as $2, you can own a share of your favourite global companies, from Apple to Tesla.

And because we like to do things a little differently, we’re also giving you one commission-free trade every month. Yet to try stocks on Raenest? Do so today. Wondering how to get started? Read on how Stocks work on Raenest.

You too can earn with Rewards

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Still on growing your wealth, do you know that your everyday transactions can help you earn more without any extra effort? All you have to do is keep $100 in your Raenest USD wallet, use your account as you normally would, and watch your rewards accumulate each month. No sign-ups, no extra steps, just steady, effortless earning with Raenest.

Experience a better way to pay

Imagine shopping on any platform, subscribing to your favourite tools, and paying for your travel without overthinking or juggling multiple cards and worrying about fees. That’s the freedom your Raenest Card gives you. From online payments to business tools, ads, hotels, and contactless in-store payments, it’s one card that moves with you, wherever life and work take you. Use your Raenest card today. Don’t have one yet, create one for just $3.

Get paid faster with Stablecoins

Did you know you can now receive payments in minutes instead of days simply by using stablecoins? People around the world are choosing USDT and USDC because they’re fast, borderless, and more cost-efficient than traditional bank transfers. Raenest is built to make that advantage work for you. When you receive payments in stablecoins with Raenest, you get:

• Low deposit fees of just 0.22% per transaction.
• Automatic 1:1 USD conversion, so you always know the exact value you’ll receive.
• Flexible transfers to the US, UK, EU, NGN, and other supported regions.

Receive USDT and USDC on Raenest today and enjoy a faster, smoother way to get paid. Here’s how to get started.

Learning together in real time

January gave us room to learn alongside the community. We hosted a U.S. Stocks webinar with Olumide Adesina, a financial market analyst with over two decades of experience, where we explored how people build wealth through the U.S. stock market. The session focused on practical insights, honest questions, and helping people feel confident enough to start building their own portfolios. If you missed it, you can still catch up on the recap here.

We also hosted another X Space with Ochai and OmoAlhaja, centred on supporting freelancers in tangible ways. During the session, we gave out over 2,000 Upwork Connects and free access to essential tech tools. Since then, many participants have already secured gigs, reinforcing why we built Raenest FastTrack in the first place. With over 15,000 listeners across both sessions, it became a moment of shared progress, moving people from insight to action. If you missed this, too, I’d try not to side-eye you, and you can listen to the recap here.  Want to be part of these moments and never miss an opportunity to learn and grow with us? Then join the Raenest community today.

Everyone and their best friends are loving Raenest FastTrack

There was a time when people could only dream of getting their Upwork earnings in under an hour. Then Raenest FastTrack was born. Now, many have lived that dream and have great things to say:

You too can experience it. Try FastTrack today.

Travel tips for your next trip

If travel is on your mind this year, this one’s worth your time. Steven Ndukwu recently shared a video, breaking down the travel hacks that have helped him explore over 30 countries and the small decisions that make moving across borders smoother, cheaper, and far less stressful. 

He also shares why Raenest has become part of his travel essentials, especially the ability to hold multiple currencies and make contactless payments wherever he goes. If you’re planning your next trip or simply curious about travelling smarter, it’s a good place to start.

Official Raenest Channels

Got inquiries, need support, or just want to stay connected with what’s happening at Raenest? Here are our official channels:

• Live chat via the Raenest App.
• Email support: support@raenest.com.
• Follow us on our social channels and join our community channel.

Like many, I don’t remember January by dates. I remember it by what I read, watched, and replayed. This is that memory, gathered. Here are my January gems:

As we close this January roundup, I hope you feel seen, held, and a little lighter, carrying with you the victories, the lessons, and the reminder that you’ve done enough. See you next month. 💜