01 PRINCIPLE
We never hold your money. Payments go wallet to wallet, and there is no Rayl balance to freeze or lose.
Anyone can put a USDC address on an invoice. The trouble starts a week later: two customers send the same amount, a third sends it on the wrong chain, and nobody can say which payment belongs to which order, or when it is safe to ship.
The usual fix is a processor that takes the money in, credits you a balance and pays you out later. That brings back everything stablecoins were supposed to remove: a company holding your funds, a payout schedule, and an account that can be frozen.
We started from the other end. Rayl signs the exact terms of each payment before the customer pays, and a smart contract enforces them. The money goes from the customer’s wallet to yours in one transaction, and Rayl handles everything around it: matching, confirmations, webhooks, refunds and payouts.
So a business gets the tooling it expects from a card processor, without anyone sitting between it and its money. That is the whole idea, and every part of the product exists to keep it true.
