# Raenest | Your Global Money Partner To Receive, Send & Spend > Markdown mirror of DialtoneApp's public top-site detail page for `raenest.com`. URL: https://dialtoneapp.com/top-sites/raenest.com/index.md Canonical HTML: https://dialtoneapp.com/top-sites/raenest.com ## Summary - Domain: `raenest.com` - Website: https://raenest.com - Description: ai readable | score 20 | purchase read only - Label: ai_readable - Payment surface: Not available - Purchase boundary: read_only - Control boundary: unknown - Rank: 525505 ## robots ~~~text # robots.txt for https://www.raenest.com # Last updated: March 2026 # ----------------------------------------------- # All standard crawlers — allow everything public # ----------------------------------------------- User-agent: * Allow: / # Block non-public / app routes from being indexed Disallow: /cdn-cgi/ Disallow: /.well-known/ # ----------------------------------------------- # Google # ----------------------------------------------- User-agent: Googlebot Allow: / Disallow: /cdn-cgi/ # ----------------------------------------------- # AI Crawlers — Allow (powers AI search & LLMs) # ----------------------------------------------- # OpenAI / ChatGPT User-agent: GPTBot Allow: / # Anthropic / Claude User-agent: ClaudeBot Allow: / User-agent: anthropic-ai Allow: / # Google Gemini / AI Overviews User-agent: Google-Extended Allow: / # Perplexity User-agent: PerplexityBot Allow: / # Meta AI User-agent: FacebookBot Allow: / # Apple User-agent: Applebot Allow: / # Common Crawl (used to train many LLMs) User-agent: CCBot Allow: / # ----------------------------------------------- # Sitemap # ----------------------------------------------- Sitemap: https://www.raenest.com/sitemap.xml ~~~ ## llms ~~~text # Raenest — Full Reference > Raenest is a cross-border financial platform that enables African individuals and businesses to hold, receive, send, and spend money globally. It provides USD, GBP, EUR, and NGN accounts, multi-currency wallets, international payment cards, invoicing tools, US stock investing, and business banking solutions — empowering anyone to participate in global finance. ## Company Overview - **Full name:** Raenest Inc. - **Type:** Financial Technology (FinTech) Company — not a bank - **Tagline:** "Your Global Money Partner To Receive, Send & Spend" - **Mission:** Expanding financial possibility for Africans — freelancers, remote workers, entrepreneurs, and businesses — by giving them access to global financial infrastructure - **Founded:** ~2020 (celebrating 4 years as of recent updates) - **Headquarters:** 7460 Warren Parkway, Suite 100, Frisco, TX 75034, US - **Canada office:** 212 King Street West, 6th Floor, Toronto, ON M5H 1K5 - **Users:** Over 1,000,000 personal users; over 11,800 businesses in 13 countries - **App rating:** 4.6 on Apple App Store and Google Play Store - **Transaction volume:** Over $1 billion processed - **Transfer speed:** 95% of transfers are instant; 10,000+ transactions processed daily - **Savings:** Users save an average of 15% on transfer fees vs. competitors - **Website:** https://raenest.com - **Personal app:** https://app.raenest.com - **Business app (GeeGpay):** https://me.geegpay.africa --- ## Regulatory & Compliance Raenest operates under strict financial regulation across multiple jurisdictions: - **Banking services (US):** Provided by Regent Bank, Member FDIC. FDIC deposit insurance up to $250,000 per qualified customer account on a pass-through basis. - **Debit cards (US):** Issued by Regent Bank, Member FDIC, under license from Mastercard. - **Canada:** Registered with FINTRAC as a Money Services Business (Registration No. 1443707-1). - **Nigeria:** Licensed by the Central Bank of Nigeria (CBN) as an International Money Transfer Operator. - **UK banking:** Provided by Clear Junction Ltd, authorised and regulated by the Financial Conduct Authority (FCA) as an Electronic Money Institution. - **US securities:** Brokerage services provided by Alpaca Securities LLC, a member of FINRA and SIPC. - **Nigeria securities:** Investment feature offered in partnership with City Investment Capital Limited, licensed by the Securities and Exchange Commission of Nigeria. --- ## Personal Products ### Global Accounts Raenest provides dedicated multi-currency bank accounts that let users receive money internationally as if they were local. - **USD Account:** Comes with a US routing number and US account number. Accepts ACH transfers, domestic wire, and SWIFT. Compatible with Upwork, Deel, Fiverr, Payoneer, PayPal, and other platforms. - **GBP Account:** Comes with a UK sort code and account number. Accepts CHAPS and instant GBP deposits. - **EUR Account:** Accepts SEPA Instant and standard SEPA deposits. - Accounts are accessible in minutes after identity verification. - Users can hold balances in multiple currencies simultaneously. ### Cards - **Virtual Dollar Card:** For online international spending — subscriptions, SaaS tools (Google, Canva, Zoom, AWS, Amazon, eBay, Gemini Pro, etc.), and e-commerce. - **Physical USD Card:** For in-person and online global spending. Works with Google Pay and Apple Pay. - Transparent pricing with no hidden fees. - Global acceptance via Mastercard network. ### Send Money - Send to 70+ countries. - Transfer types supported: - **Bank Account Transfers:** ACH, FAST, SEPA, SWIFT, and local bank transfers. - **Mobile Money Transfers:** Send to mobile wallets across Africa and beyond. - **Raenest-to-Raenest Transfers:** Instant, zero-fee transfers between Raenest accounts. - Competitive exchange rates shown upfront before every transfer. - Fast delivery: most transfers arrive in 0–2 minutes. ### Receive Money - Receive payments from 190+ countries. - Accepts payments from freelance marketplaces: Upwork, Andela, Fiverr, Toptal, Contra, YouTube, Freelancer, PeoplePerHour, Deel, and more. - Payment links: share a link and get paid directly. ### Invoices - Smart invoicing tools for professionals and freelancers. - Send branded invoices and get paid in foreign currencies. - Supports bank transfers and card payments. ### Currency Exchange / Conversion - Convert between USD, GBP, EUR, NGN, and other supported currencies. - Competitive exchange rates with fees shown upfront. - Some corridors have zero conversion fees. ### Earn — Rewards & Perks - **Rewards:** Earn real money the more you transact — unlock monthly rewards. - **Referral Program:** Share Raenest and earn when referred users sign up and transact. - **Creator Club:** Get paid to promote Raenest as a creator or influencer. ### US Stocks - Buy US-listed stocks directly from the Raenest app. - Powered by Alpaca Securities LLC (SEC & FINRA regulated broker-dealer). - Investment feature for Nigerian users offered in partnership with City Investment Capital Limited (SEC Nigeria licensed). - Investments may lose value; past performance does not guarantee future results. ### Stablecoins - Receive USDC and USDT (stablecoins) directly on Raenest. - Useful for crypto-native users and cross-border contractors paid in stablecoins. --- ## Who Personal Raenest Is For | User Type | How They Use Raenest | |---|---| | Freelancers & Creators | Receive international payments from global clients and marketplaces | | Travelers | Spend like a local anywhere in the world using Raenest cards | | Online Shoppers | Use virtual dollar cards for international purchases | | Students | Pay for courses, subscriptions, and study materials | | Social Sellers | Accept payments from worldwide customers via payment links | | Marketers, Designers, Developers | Receive income from remote work platforms | --- ## Business Products (Raenest Business / GeeGpay) Raenest's business platform is available at https://me.geegpay.africa and is designed for startups, SMEs, and enterprises. **Scale:** Over 11,800 businesses in 13 countries. ### Business Global Bank Accounts - **USD Business Account:** Receive ACH, domestic wire, and SWIFT payments under your business name. - **GBP Business Account:** Receive CHAPS and instant GBP deposits with a UK sort code and account number. - **EUR Business Account:** Receive SEPA Instant and SEPA deposits with an IBAN. - **NGN Business Account:** Receive Nigerian Naira deposits. - Set up in minutes; full multi-currency wallet management. ### Business Cards - **Virtual USD Cards:** Assign to team members, set spending limits, works with Google Pay and Apple Pay. - **Physical USD Cards:** For in-person business spending; supports funding via multiple currencies. - Used for paying for marketing tools, SaaS, ads, and global vendor payments. ### Send Money (Business) - Send to 70+ countries with fast delivery and competitive fees. - Supports: ACH, FAST, SEPA, SWIFT, local bank transfers, and mobile money. - Bulk payments to multiple recipients (contractors, vendors, employees). - Raenest-to-Raenest instant zero-fee internal transfers. ### Invoices & Payment Links (Business) - Create and send invoices and payment links to clients globally. - Accept payments via bank transfer and card. ### Currency Conversion - Convert across multiple currencies at market-competitive rates. - Protect against local currency volatility (e.g., NGN depreciation). ### Business Security - Compliant with local and international financial regulations. - Two-factor authentication (2FA) for enhanced transaction security. - Anti-fraud measures with proactive monitoring. ### Industries Served - **Fintech:** International transfers and treasury management. - **Logistics:** Pay global vendors and suppliers on time at competitive fees. - **FMCG:** Convert NGN to USD/GBP/EUR to hedge against currency volatility. - **Healthcare:** Simplify cross-border payments for medical supplies and services. - **Marketing:** Pay for marketing tools and ads with globally accepted cards. --- ## Integrations & Compatible Platforms Raenest accounts work seamlessly with the following third-party platforms: **Freelance & Remote Work:** Upwork, Fiverr, Freelancer, PeoplePerHour, Toptal, Contra, Andela, Deel, Remote **Payment Platforms:** PayPal, Payoneer, Wise, Revolut, Mastercard **Business Tools:** Google Pay, Apple Pay **Crypto/Stablecoins:** USDC, USDT (receive on Raenest) --- ## Onboarding: How to Get Started ### Personal 1. **Quick Sign Up:** Create your account at https://app.raenest.com/register — provide legal name, strong password, and confirm verification code. 2. **Verify Your Identity (KYC):** Quick and secure identity verification process. 3. **Get Your Accounts & Cards:** Start receiving payments, saving in foreign currencies, and spending globally. ### Business 1. Sign up or contact Raenest at https://me.geegpay.africa/register. 2. Complete business KYB (Know Your Business) verification. 3. Get multi-currency business accounts, cards, and access to the full business suite. 4. Optionally speak to a Raenest specialist for tailored onboarding. --- ## Pricing & Fees - Incoming transfer fees are determined on a case-by-case basis. Full fee schedule available in the app. - Currency conversion fees apply on some corridors; others are zero-fee. All fees are shown upfront. - Raenest-to-Raenest transfers are free (zero fee, instant). - Business users save an average of 15% on transfer fees compared to traditional options. - Full fee schedule: https://raenest.com/pricing (see app for latest rates) --- ## Key Pages & URLs | Page | URL | |---|---| | Home (Personal) | https://raenest.com/ | | Business Home | https://raenest.com/business/home | | News & Blog | https://raenest.com/blog | | Personal App Login | https://app.raenest.com/ | | Personal App Sign Up | https://app.raenest.com/register | | Business App (GeeGpay) Login | https://me.geegpay.africa/ | | Business App (GeeGpay) Sign Up | https://me.geegpay.africa/register | | Terms & Conditions | https://raenest.com/terms-and-conditions (check exact slug) | | Privacy Policy | https://raenest.com/privacy-policy | | Careers | https://raenest.com/career | | Women's Mentorship | https://raenest.com/women-mentorship (check exact slug) | | India | https://raenest.com/india | | Philippines | https://raenest.com/philippines | | Customer Help | https://raenest.com/customer-help (check exact slug) | | Contact | https://raenest.com/contact | --- ## Blog & Content Raenest publishes educational content, news, and product updates at https://raenest.com/blog. **Content categories include:** - Cards (e.g., "How to Pay for Gemini Pro with the Raenest Virtual Dollar Card") - Business (e.g., "How to Create a Corporate Dollar Card for Your Business", "What Global Clients Look for in African Businesses", "How To Write a Winning Business Plan To Attract Investors") - Company updates (e.g., "4 Years of Raenest: Expanding Possibility, Every Day") - People of Raenest (e.g., "Understanding an App People Love: Doyin's Experience as a Graduate Intern at Raenest") - Tips for freelancers, remote workers, and businesses - Global finance and FX guides for African professionals --- ## Customer Reviews & Social Proof - 4.6 stars on both Apple App Store and Google Play Store - 1,000,000+ personal users - 11,800+ businesses in 13 countries - Over $1 billion in transaction volume - Featured in media: "Raenest in the News" **Sample user testimonials:** - "I could not imagine how great Raenest works until I signed up with them." — Kevin - "The platform is intuitive, seamless and easy to use. It is also the Fintech platform with the best exchange rates for sending money." — Banji - "Raenest is a great company with one of the best supports I've ever seen." — Theresa **Business testimonials:** - "Raenest has been a super useful platform for us. We started to use them to pay staff and vendors right after they launched and it hasn't failed us one bit." — Seun Alley, CEO - "Raenest has been a key part of our people stack! They unlock access to contractors in other African countries by facilitating seamless payments." — Fola Folowosere, CEO - "Raenest makes it easy to ensure our team and partners get paid, no matter the region of the world they work in." — Mo, CEO --- ## FAQ **Is Raenest a bank?** No. Raenest is a Financial Technology (FinTech) company, not a bank. Banking services are provided by Regent Bank, Member FDIC (US). FDIC deposit insurance is available up to $250,000 per qualified customer account on a pass-through basis. **How long does it take to get a bank account?** You'll receive instant access to your account once you've submitted all required information and completed identity verification. **What are the fees for receiving money in my bank account?** Incoming transfer fees are determined on a case-by-case basis. See the full fee schedule in the app. **Can I use my USD account on Upwork, Deel, Fiverr, or Payoneer?** Yes. Raenest USD accounts accept payments from any platform that supports USD bank deposits. **What currencies can I hold?** USD, GBP, EUR, NGN, and other supported currencies. **How many countries can I send money to?** 70+ countries. **From how many countries can I receive money?** 190+ countries. **Is Raenest available in my country?** Raenest primarily serves users in Nigeria, Ghana, Kenya, and other African markets, as well as the Indian and Philippine markets (see dedicated pages). Business accounts serve 13 countries. **Is my money safe?** Yes. Raenest uses two-factor authentication, anti-fraud monitoring, and complies with local and international financial regulations. US-held funds are FDIC-insured up to $250,000. --- ## Optional / Discovery - [Sitemap](https://raenest.com/sitemap.xml) - [llms.txt](https://raenest.com/llms.txt) ~~~ ## llms-full Not found.