# Raenest

> Receive and spend money globally

Raenest is a multi-currency fintech platform for emerging economies. It lets freelancers, creators, and businesses receive, spend, save, and invest money across borders.

Raenest is a multi-currency financial services company that helps individuals and businesses in emerging economies manage money across borders. It provides global accounts, international payment transfers, and card issuance, targeting freelancers, remote workers, creators, and diaspora communities who otherwise face barriers accessing global finance. The platform is designed to reduce the friction of receiving payments from clients or employers located in other countries.

The company addresses a common problem for workers in emerging markets: difficulty getting paid by employers or clients abroad due to a lack of local legal entities or banking rails. Users can open accounts denominated in major currencies, receive funds through standard payment rails, and convert between currencies at published rates. Raenest operates under regional licensing and banking partnerships to support these cross-border transfers.

Its offerings span global multi-currency accounts, virtual and physical payment cards, invoicing tools, and access to US stock investing, alongside support for depositing stablecoins pegged to the US dollar. A separate business-facing product line extends similar payment, card, and invoicing services to companies handling international receivables and payroll. Raenest is used by freelancers, remote workers, creators, and small businesses across multiple countries seeking simpler access to global payments.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2022-01-01
- Profile: https://thegrid.id/profiles/raenest

## Products

- [Raenest](https://thegrid.id/profiles/raenest): Raenest is a neobank offering multi-currency accounts, virtual and physical cards, international money transfers, invoicing, US stock investing, and stablecoin deposits for individuals, particularly in emerging economies. Users can hold balances in USD, GBP, and EUR, receive stablecoin deposits that are automatically converted to USD, and spend through a linked card. The platform also connects to freelance platforms to enable faster withdrawal of earnings. (Neobank, Live, Main Product)
- [Raenest Business](https://thegrid.id/profiles/raenest): Raenest Business is a neobank for companies that provides global accounts in USD, GBP, and EUR, international payment capabilities, and invoicing tools. Businesses use it to receive and send cross-border payments, hold multiple currencies, and manage expenses through a business card. It targets companies operating across multiple countries that need compliant multi-currency banking infrastructure. (Neobank, Live)
- [Raenest USD Visa Card](https://thegrid.id/profiles/raenest): The Raenest USD Visa Card is a payment card that lets users spend dollar balances for online and offline purchases wherever Visa is accepted. It can be funded from naira, USD, GBP, EUR, or stablecoin balances, with card controls such as spending limits, freezing, and termination available through the app. The card is issued by a Visa Principal Member and is offered as a standalone product accessed through the Raenest platform interface. (Card, Live)

## Links

- [Main](https://www.raenest.com)
- [Blog](https://www.raenest.com/blog)
- [Documentation](https://help.raenest.com)
- [Terms of Service](https://www.raenest.com/terms-of-service)
- [Privacy policy](https://www.raenest.com/privacy-policy)
- [Twitter / X](https://x.com/RaenestApp)
- [LinkedIn](https://linkedin.com/company/raenest)
- [Instagram](https://instagram.com/raenestapp)
- [YouTube](https://www.youtube.com/@raenest)

## Legal

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP