Raenest: One Platform to Receive, Send, Spend, Save and Grow Your Money

Every ambition has a financial story.

The freelancer building a career with clients around the world. The entrepreneur taking a business beyond borders. The professional saving for a home, an education, or a future they've spent years working towards. Behind every ambition is a vision of what comes next, and the financial tools to help make it possible.

At Raenest, we believe managing your money should move you closer to those possibilities. Whether you're earning from international clients, running a growing business, making cross-border payments, or saving for the future, you need a platform that keeps up as your life and ambitions evolve.

That's the vision behind Raenest: your global money partner. A platform that brings together the essential ways to manage your money, from receiving payments from around the world and sending money to over 100 countries to spending across fiat and digital currencies, saving towards your goals, and growing your money for tomorrow.

Over the past few months, we've made significant strides towards bringing this vision to life. From our new Visa cards and expanded payment options to naira and dollar yield products, stablecoin features, and more ways to fund your account, we're making it possible to do more with your money, all in one place. Here's a look at what's new on Raenest.

Meet your new cards

Raenest Physical Visa card

From your morning coffee to shopping abroad, your money can now go wherever you do. Use your Raenest Physical Visa card for everyday purchases, in-person and online payments, ATM withdrawals, and international travel. If you run a business, you can also order physical cards for your team. Learn more about the Raenest Physical card.

Business Visa virtual cards

We’ve upgraded your business cards to give you more room to manage team spending. You can now create up to 50 virtual cards, depending on your business’s KYB level, and spend up to $100,000 monthly, subject to your applicable card limits. Assign cards to employees so they can pay for software, advertising, subscriptions, travel and other business expenses without sharing a single card.

Raenest Visa virtual card

We also upgraded your Raenest virtual card to a Visa card, accepted at over 150 million merchants worldwide and offering Visa Platinum benefits, including purchase protection, extended warranty, and worldwide auto rental insurance. You can now also hold two virtual cards at a time and create up to 10 over your account’s lifetime, giving you more flexibility to manage different payments. Plus, enjoy daily spending limits of up to $20,000 and monthly limits of up to $60,000, depending on your KYC level. Learn more about the Raenest Virtual Card.

Across all your Raenest cards, you can spend directly from your USD, GBP, EUR, NGN, USDT, USDC, and other local currency balances, without moving money to a separate card balance or paying card funding fees.

Send, convert and grow your stablecoins

Stablecoin Vault

Your stablecoin balance can do more than sit in your wallet. With Stablecoin Vault, eligible users can earn up to 7% variable APY on USDC and USDT, with daily interest and no lock-up period. Fund your Vault with USDC, USDT, USD, NGN, GBP and other supported currencies, and withdraw whenever you need your money. Learn more about Raenest Stablecoin Vault.

Stablecoin Payments

Getting paid in stablecoins is one thing. Being able to move and use them easily is just as important. With Stablecoin Payments, you can now create dedicated USDC & USDT wallets to send stablecoins to external wallets and convert between stablecoins and supported currencies, all on Raenest. Learn how to create your stablecoin wallet on Raenest.

Fund your Raenest account with crypto

Your money can come from different places, and managing it should not mean spreading it across different platforms.

With Raenest, you can now fund your wallet using Bitcoin (BTC), Ethereum (ETH) and Solana (SOL). Your crypto is automatically converted to USDC, bringing it into the same platform where you manage your fiat and digital currency balances.

Whether you're receiving income in fiat currencies, holding digital assets or looking for another way to fund your account, Raenest gives you more flexibility to bring your money together in one place.

From there, you can access supported features, including sending money, spending with eligible Raenest cards, and managing your stablecoin balances. Crypto and fiat. One platform to manage it all. Learn more about funding your Raenest account with Crypto.

Put your money to work with Raenest

Managing your money is one part of your financial journey. Growing it is another.

Whether you're saving in naira, building your dollar balance, or holding stablecoins, Raenest Vaults gives you more ways to put your money to work toward your goals. With our new Vault products, you can earn returns on eligible balances while keeping your financial plans moving forward.

Earn up to 16% p.a. on your naira

Your naira savings can do more for your future. With Raenest NGN Vault, eligible users can earn up to 16% per annum on their naira balance.

You can create separate vaults for different goals, whether you're saving for a holiday, a car, school fees or another milestone. This helps you organise your savings around your goals and track your progress. Learn how to create your NGN Vault.

Earn up to 7% p.a. on your dollars

Your dollar balance can work towards your future, too. With Raenest USD Vault, eligible users can earn up to 7% per annum on their dollars.

Create dedicated vaults for your savings goals and build towards your next big plan while earning returns on your eligible balance. Learn how to create your USD Vault.

Get paid by customers and clients around the world

In addition to multi-currency accounts and receiving payments in stablecoins, Raenest gives you another way to accept payments from clients and customers.

With Raenest invoices and payment links, your customers can pay you with their debit or credit cards, making it easier to collect payments for your products and services.

You can also choose your preferred supported payment methods, pass transaction fees to the payer and calculate VAT where applicable.

Whether you're receiving international payments into your multi-currency accounts, accepting stablecoins, or receiving card payments from customers, Raenest brings more ways to receive money into one platform.

Raenest in French

Raenest is now available in French across web, iOS and Android. If your device language is set to French, the app switches automatically, making it easier to manage your money in your preferred language. This update supports our expansion into Benin, Côte d’Ivoire and Senegal.

Experience Raenest Today

Everything we're building at Raenest comes back to one ambition: to be your global money partner, giving you the tools to manage your money wherever life, work and opportunity take you.

From receiving payments across currencies to spending globally, sending money, saving towards your goals and growing your wealth, we're bringing more of your financial life together in one place. And we're just getting started. We're continually building new ways to help you do more with your money, pursue your ambitions and make more possible with what you earn.

Ready to see what's new? Log in to your Raenest account to explore these updates. Don't have a Raenest account yet? Create one today and join over a million people choosing Raenest as their global money partner.