What we're building
Raytio is built toward a destination, and we'd rather say so than surprise you. These are documented product concepts we intend to build - some partly built already, none finished. They all rest on the same foundation: verified participants, encrypted data, and consent enforced by cryptography.
A service marketplace of trusted participants. A marketplace where verified providers list comparable services - utilities, insurance, credit - and buyers transact as anonymised, trusted counterparties. Sellers can make genuine offers to profiles they cannot identify; buyers can switch providers in clicks, because their verified data moves with them.
A verified statement of financial position, generated automatically. Connect your bank accounts and Raytio derives income, expenses, assets and liabilities into a standardised, machine-readable, verified statement - then compares lender offers, or applies on your behalf. Verified information reduces lending costs; the borrower gets the benefit.
A portable trust score you own. An aggregate trust score built from verified activity, reviews and credit history - tracked from real money movements rather than self-assertion - that you carry between services instead of rebuilding it each time.
Safe bank transfers for online purchases. Aimed at marketplace scams: the seller proves verified identity and bank account through Raytio before the buyer pays, so money only ever goes to a verified account - with an optional guarantee for a small fee.
Trusted payments for digital transactions. Guaranteed payment and goods-inspection release between verified buyers and merchants - eliminating chargebacks for the merchant and delivery risk for the buyer.
Never pay too much. Anonymous supplier-price comparison: submit invoices, Raytio standardises supplier, product and price data, and publishes like-for-like comparisons so you know you're getting a fair deal.
Email, phone and card masking. A unique address per service, unknown senders held until they prove they're human, and the source of every leak traceable - privacy as a service, for people and organisations.
Password management for families and teams. A password vault built on the same client-side encryption as the rest of Raytio, with the sharing done properly: family and team groups, without anyone emailing a password again.
All infrastructure and data staying within the EU. A European deployment of the managed platform, with every component and every byte of data residing in the EU - for customers whose data residency obligations require it. Self-hosting already achieves residency today by deploying into an EU region of your own AWS account; the EU zone brings the same guarantee to the managed service.
An agent that works solely for you. The destination. An agent that watches the market against your own verified data and continually optimises your life in your interests - never the interests of companies trying to sell you products. Every action gated by your consent, enforced by cryptography: nothing is shared until you decrypt it. The trust infrastructure and the marketplace are the foundation; the Concierge is why we laid it.
Verified customers, protected data, and agents you can hold to account.