Blockchain-based accounting, payments, settlements and identity management.


RAAY is a backbone for financial accounting, transactions, credit management, asset tokenization and cashless payments based on the blockchain. With marginal transaction costs, vanishing overhead, and the cryptographic security of the blockchain, RAAY is made to serve as a highly efficient entry to financial services. RAAY is initiated and supported by Datarella, a well-established German blockchain solutions provider.

RAAY focuses on the gigantic global financial services market, eliminating technical and functional barriers of global asset management.



  • Cryptographic Security
  • Cost Efficiency
  • Verifiable Trust



  • Identity Management
  • Accounting
  • Payments
  • Settlements
  • Auditing


    RAAY is built on Datarella’s experience. This experience is based on designing, building and deploying a blockchain-based accounting and payment system for the United Nations World Food Programme WFP that performs the core functions provided by banks today. The applications run on top of an Ethereum blockchain facilitating cryptographically verifiable honest behavior.

    The challenge: Limited Access to Financial Services

    A third of the world’s population has no access to financial services. Financial services like holding assets in safe deposit accounts and the availability of easy money transfers are a necessary precondition for every flourishing economy. According to the World Bank, more than a third of the world’s population has no access to banks and their services at all. 2 billion adults remain without a bank account and nearly half of the adults’ population in developing countries have no access to financial services.

    An Out-of-the-Box Banking System

    RAAY is designed as a fully-functioning financial transaction and auditing system that can easily be integrated into diverse existing technical and regulatory frameworks. This out-of-the-box approach makes RAAY the banking solution of choice for third party financial application providers.

    Since RAAY does not aim to replace existing financial infrastructures, but rather fit within their current gaps, existing participants of financial processes profit from integrating RAAY from the start. RAAY’s blockchain technology allows for minimal transaction costs that in turn enable network participants to execute micro transactions. Consequently, this inclusive approach allows for minimal fees that – together with its inclusiveness – form the basis of RAAY’s business model.

    More information on the RAAY OS



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    Co-founder & CEO
    Michael Reuter

    A serial entrepreneur who incorporates an extraordinary structured way of problem solving, business judgement and passion for building of new business. Michael possesses 25 years of experience in building companies and cross-functional strategy, innovation, and transformation programs. He sold his last business, app development agency AppAdvisors, to Bertelsmann. Michael leads Datarella by building and expanding its competencies as a blockchain solution provider for data driven digital transformation and by forstering the role of RAAY as the new operating system for banking.


    Co-founder & CDO
    Kira Nezu

    Kira is an experienced product developer who can excellently think through a product from its concept, user experience, design to overall functionality. Over the last 20 years she has realized numerous interactive design projects. Her experience in web and mobile applications ensure products are usable. Prior to her role at Datarella she founded and led app development agency AppAdvisors which she sold to Bertelsmann.


    Co-founder & COO
    Yukitaka Nezu

    As an experienced investment manager in the field of direct private equity and infrastructure investments, Yuki adds value to companies with his investor spirit and his in-depth expertise in corporate finance. He spent more than 10 years at Allianz Capital Partners in Munich and London, the direct private equity and infrastructure entity of the leading German insurance company Allianz. As a board member at Landis+Gyr, Ionbond and Four Seasons Health Care, he supported the management of portfolio companies until exit. With Datarella, Yuki founded a big data consulting start-up in 2013. Since 2012, he supports the family office at goetzpartners as an independent corporate finance consultant.



    info [at] raay [dot] money

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    Datarella GmbH
    Oskar-von-Miller-Ring 36
    80333 Munich

    CEO: Michael Reuter