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PAYMENTS-FIRST NEOBANK

Payments.
Settled Instantly.

A payments-first neobank built for instant, final settlement. No pending states. No delayed settlement. Every successful payment is final.

Instant

Settlement

Zero

Pending States

100%

Finality

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What ONRAI Is

A Payments-First,
Ledger-Native Neobank

Built around one function: payments. Everything else is optional.

Wallets

User Balances

Users hold wallet balances directly on the platform.

QR

Merchant Payments

Merchants accept QR-based payments instantly.

Instant

Settlement

Settlement happens the moment payment succeeds.

Real-time

Balance Updates

Balances update in real time, always accurate.

There are no pending states.

There is no delayed settlement.

Every successful payment is final.

How Payments Work

Three steps.
Zero waiting.

Watch the payment flow in real-time. Each step happens instantly.

Open Wallet

User opens ONRAI app

01

Scan QR

Scan merchant's code

02

Confirm

Review & approve

03

Settled

Instant finality

04
Processing step 1 of 4...
User Experience

Built for
Users

You always know where your money is. Pay once. Be done.

Wallet Balance

Hold and manage your funds

Instant Confirmation

Know immediately when payment succeeds

Transaction History

Clear record of all payments

No Cards Needed

Pay without traditional banking

Merchant Experience

Built for
Merchants

When a payment succeeds,
the money is yours.

No pending states. No reconciliation. Instant settlement.

QR Acceptance

Accept payments via simple QR scan

Instant Settlement

Funds are yours immediately

Real-time Balance

Watch your balance update live

Clear Records

Complete transaction transparency

How We Compare

The Comparison

Feature
Kast
Surf
Avici
ONRAI
Crypto-native
—
Wallet balances
Ledger owned by app
Deterministic settlement
Merchant payments
Payment = settlement
Payments are the product
1Payments are the product
2Settlement is immediate
3Everything else is optional
Security & Correctness

Designed for
Correctness

100%
100% Atomic

Atomic Payments

Every payment succeeds completely or fails completely.

0
Zero Drift

Balance Integrity

Balances are always accurate. No drift possible.

∅
No Side Effects

Clean Failures

If something fails, nothing changes.

If a transaction fails, nothing changes.

The Future of Payments

Payments,
Without the Wait.

Join the payments revolution. Experience instant settlement with ONRAI.

Instant

Settlement

Zero

Pending States

100%

Payment Finality