**What Is Rayn (AKTIO)? ** 

Rayn's journey began with a realization by its founder, Gaël Itier, who observed that in the world of finance and new technologies, the focus was on spending rather than effectively managing savings. He created Rayn with a clear vision: to make savings more modern and appealing. Rayn aims to transform how people save by integrating the best of traditional finance with blockchain innovation, making savings more accessible, engaging, and tailored to our times. 
 
Registered with the French Financial Markets Authority (AMF) as a VASP since the summer of 2023, the company helps its users grow their savings - often dormant in traditional financial channels. 
 
By creating an account, users get an account with a dedicated IBAN and a VISA debit card, along with the ability to make instant SEPA transfers to 36 countries and pay in euros or crypto with their Rayn Visa card. 
 
Savings are at the heart of Rayn's offerings, with three main products: Flex Vault, a savings solution offering up to 6.5% annual interest rates and interest paid out daily. The second product is Blockchain Vault, allowing for returns of up to 18.99% per year through Bitcoin mining. And finally, the third is Term Vault, which enables returns of up to 10% through Bitcoin mining and DeFi. 
 
The app also allows trading of over 100 cryptocurrencies with a simple and intuitive interface, providing access to the latest market news, expert analysis, and Market Sentiment identifying the most promising opportunities. 
 
Rayn is the financial app revolutionizing this market, offering users the ability to consolidate all of their financial products in one place while making their money work for them. 
 
 
**Who are the Founders of Rayn? **

Gael Itier, 

Chief Executive Officer & Founder, Gael kick-started his career as an analyst, joining the trail-blazing Equity and Derivatives desk of BNP Paribas in Paris, France. At BNP Paribas, Gael was responsible for overseeing advanced operational projects and developing analytical tools within the Investment Banking division of the group. 

Driven by his passion for trading and backed by his advanced skills in Computer Science and Mathematics, Gael ventured into setting up his own venture, focusing on sports betting arbitrage strategies. Establishing his enterprise in the heart of the European tech valley – Sophia Antipolis, Gael concentrated on implementing new advanced arithmetic models dedicated to arbitrage strategies and high-frequency betting. 

Leading a high-caliber IT team of Quantitative Analysts, Gael directed efforts towards designing and enhancing various alternative strategies and Quantitative models, with a specific focus on FX and Equity Indexes markets, while implementing modern portfolio allocation methodologies catering to wealthy individuals. 

Gael's professional prowess was acknowledged when he won the prestigious “Talents du Trading” award in October 2014, a highly acclaimed French trading contest organized and broadcast by BFM TV. Gael holds a Master’s Engineering Degree in Science, with a Major in Computer Science applied to the Financial Markets, from Ecole Polytechnique in Nice, France. 


Jean Yves Guillou, 

Chief Investment Officer & Head of Market Research & Co-Founder, Jean-Yves holds a master's degree in Financial Markets from Paris School of Business. With over 18 years of experience as a Global Macro & Forex Strategist at BBSP, he is an expert in technical analysis and trading strategies. 

During his tenure with the Automata team over the past 4 years, Jean-Yves has developed a strong expertise in blockchain and tokenization.   

Recognized for his achievements, Jean-Yves earned third place at the “Talents du Trading” in October 2014, one of the most prestigious French trading contests organized and broadcast by BFM TV. 

**What is the Rayn (AKTIO) Token? **

Rayn proudly presents its own token, AKTIO, offering users access to enhanced benefits and increased involvement within Rayn platform. AKTIO is a decentralized, peer-to-peer cryptocurrency developed by Automata ICO Ltd. (the "Company") as an ERC-20 standard token, operating on the Ethereum blockchain. 
 
Acquiring 1000 AKTIO tokens grants users the coveted Ambassador status, unlocking a range of exclusive benefits such as higher returns across all vaults, and reduced transaction fees. To further bolster AKTIO's value, Rayn has implemented a burn and buy-back mechanism, demonstrating their commitment to its sustainability and growth. 

 **What Sets Rayn Apart**
 
 Rayn has one clear mission: to help you grow your savings. In a world marked by rising inflation and a constant urge to spend, Rayn stands out as an app that prioritizes growing your wealth before spending it. Leveraging blockchain technology, Rayn offers higher returns on savings compared to traditional government bonds. 

Rayn empowers individuals to build their wealth, pursue their aspirations, and strive for financial independence. Harnessing the potential of artificial intelligence (AI) and blockchain, Rayn is at the forefront of transforming banking services and unlocking the door to financial freedom. 

 **How Many AKTIO Coins Are There in Circulation? **
 
 Rayn, which at the time was called Akt.io, held an ICO in 2021. For this ICO, Rayn minted a total of 100,000,000 AKTIO tokens. 32% of those were sold during the ICO and 68% of them were held in the Rayn reserve. 

At this date, 43% of the tokens are in circulation, 32% are in the Rayn reserve vest, locked for 60 months until April 2027 and 25% are owned by Rayn. 

Out of the 32,000,000 in circulation, 26,000,000 are staked by users, making it 81.25%. 
 
 **What is the Rayn Roadmap? **
 
 Rayn is on the verge of transitioning their vaults to a fully decentralized model, ensuring complete transparency in their operations. 
 
In collaboration with MIMO CAPITAL, they will integrate KUMA technology (RWA), enabling the inclusion of real assets in the vaults, from government and corporate bonds to real estate investments (RWA). Additionally, Rayn is tokenizing existing IT infrastructure pools for Bitcoin mining and AI rendering, further diversifying their offerings. 
 
In Rayn roadmap, they are preparing to introduce a feature that will allow users to send assets to their friends, enhancing the versatility of the platform and fostering greater user interaction. Furthermore, they are gearing up to offer access to stocks and ETFs Starting by the fourth quarter of 2024 till 2025 
 
To enhance the user experience, Rayn is adding limit orders for cryptocurrency transactions, improving precision and control. Additionally, a dedicated discovery page will be launched to highlight investment opportunities, educational resources, and perspectives related to tokens. 
 
Rayn is also preparing to make the application available in the United Arab Emirates. They are currently working on obtaining the necessary licenses and plan to be available by the end of 2024. 




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