Arayo

Move business money anywhere. Without the friction.

Arayo moves money for companies to every corner of the digital world. Open an international business account in your company's name, registered in over 100 countries. Pay suppliers and staff in over 150 countries, with or without an account. Exchange fiat and crypto at one desk. Transfers land in minutes. The price on screen is the price that settles.

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Built for Businesses

Built for businesses managing complexity across borders

Trading internationally means fighting three battles at once. A bank that won't open a local account for a company registered where yours is. Transfers that crawl through correspondent banks while your supplier waits. And a different exchange rate every time you ask, with the real cost buried in the spread.

Arayo is one B2B payments platform that ends all three. A global business account in your company's name. Cross-border payments that settle in minutes. One exchange desk for every conversion you'll ever need to make. Three complexities, one login.

What you can do with Arayo

How Arayo works

Open your account
Open your account

Tell us where your company is registered and what you trade. Onboarding is fully digital.

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Move your money
Move your money

Send and receive in over 150 countries. Transfers settle in minutes on modern payment rails.

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Exchange what you need
Exchange what you need

Convert between currencies and digital assets at the desk. The rate you see is the rate you get.

5 minutes: typical settlement on the rails behind our top corridors
Who uses Arayo

Who uses Arayo

A trading company registered in Hong Kong. Directors in two other countries. Revenue in four currencies. Every bank application ends the same way: months of questions, then a no. With Arayo, the company opened a named multi-currency account, started collecting from customers like a local, and got back to trading.

Licensed partners. Clear accountability.

Arayo is a financial technology platform and is not a bank. The regulated products behind your account are delivered by licensed partners, and Arayo is your single point of access to them.

Frequently asked questions

No. Arayo is a financial technology platform. The regulated products behind your account are delivered by licensed partners, and Arayo is your single point of access to them.