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Your AI
Financial
Copilot

All your money in one place, powered by AI. Rayo helps you budget smarter, save automatically, and track spending confidently.

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Bank-level encryption

4.5% APY on savings

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SAVINGS GROWTH

+24%

9:41

Today

Morning, Ade! 👋 Your paycheck just hit. Based on your goals, setting aside ₦7,000 for your Travel Fund would keep you on track.

Nice. How much can I safely spend on dinner tonight?

After your upcoming bills and savings goals, you have about ₦4,500 safe-to-spend today. 🍕

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How Rayo works

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✦ The Future of Finance

Financial freedom designed for the next generation.

Rayo AI isn't just a bank — it's your personal financial strategist. Discover the tools built to help you save, spend, and grow smarter.

AI Financial Copilot

Chat with Rayo about your money. Ask questions about your spending, savings, budgets, and financial habits, and receive personalized guidance based on your own financial data.

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Smart Expense Tracking

Track every transaction in one place. Organize your spending into categories and understand exactly where your money goes each month.

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Savings Goals

Create savings goals, monitor your progress, and stay motivated with clear milestones designed to help you reach your financial targets.

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Personalized Financial Insights

Discover spending patterns, budgeting opportunities, and practical recommendations that help you make smarter financial decisions every day.

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AI Financial Intelligence

Understand your money before you spend it.

Rayo AI analyzes your spending habits, upcoming expenses, and financial goals to help you make smarter decisions with your money every day.

Track spending patterns automatically
Get personalized financial insights
Understand what you can safely spend

See Rayo AI in Action

Financial Overview

₦18,200

Safe-to-spend balance

Spending Alert

Today

Food spending is up 18%

Safe-to-Spend

Yesterday

₦4,500 available today

Savings Insight

Tue, Oct 24

You stayed under budget this week

AI Summary

You're spending more on dining this week, but you're still on track for your monthly savings goal.