Rizon

What Rizon does

Rizon is a Delaware-incorporated, non-custodial stablecoin neobank operating as a software interface layer between users and licensed third-party financial infrastructure providers. Founded in 2025 and headquartered in Lewes (Delaware), with a commercial agent entity in Lithuania, the company enables global users outside the U.S. to open USD and EUR accounts, hold and spend USDC/USDT stablecoins, and make cross-border payments. The platform is built on Privy for non-custodial wallet infrastructure, Rain (Signify Holdings / Nimbus LLC) for Visa Platinum card issuance and fiat off-ramp, and Stripe Bridge for compliance, with Visa rails providing acceptance at 100M+ merchants and ATMs worldwide. Core products include the Visa Platinum card (physical and virtual), near-instant global remittances to ~122 countries with fees up to 0.25%, USD/SEPA virtual accounts, tokenized stocks via Backed Finance AG, and a RizPoints loyalty program with up to 2.5% cashback.

The company's business model is consumer-focused and freemium, monetized through a $6.99/month Emerald subscription, a lower-priced Gold tier, transaction-based fees (1.02% FX, $0.10 ATM, $0.25 transfer, $2.75 virtual card), and a multi-tier Partner Program offering up to 30% commission on subscriptions and 25% on card activations. Go-to-market is product-led growth through iOS App Store and Google Play distribution, supplemented by aggressive affiliate and influencer recruitment with a VIP tier paying a fixed monthly salary up to $5,000. Rizon serves freelancers, remote workers, migrants, digital nomads, and users in inflation-prone economies (Egypt, Nigeria, Pakistan, Bangladesh, Philippines) who need dollar-denominated banking without a U.S. bank account, plus SMB ad spenders paying Meta, Google, TikTok, and X ad platforms. As of February 2026, Rizon reported 250,000+ users across 122+ countries, 170,000+ app installs, and 245% month-over-month transaction volume growth, supported by a $2 million pre-seed round led by Market One Capital.

Name

Rizon

Legal name

Rizon Global, Inc.

Website

https://getrizon.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Rizon is a non-custodial stablecoin neobank offering USD accounts, Visa card spending, and global remittances to 250,000+ users across 122+ countries, serving freelancers, migrants, digital nomads, and users in inflation-prone economies who lack access to U.S. dollar banking.

Ownership category

akta.pro rank

Product category

Digital Banking

SIC

Finance Services (6199)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Cross-border/Remittance Neobanks (FSABAFAH)

Keywords

• Stablecoin neobank
• Digital dollar banking
• Cross-border payments
• Crypto debit card
• Global remittances

Headquarters

HQ city

Lewes

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Plans: Monthly subscription fees from Gold and Emerald plans. Emerald plan at $6.99/month includes physical card, higher cashback (2.5%), and more features. Gold plan offers core services at lower price point. Subscription commissions paid to partners (up to 30% on initial subscription, 15% on renewals).
2. Partner Program Commissions: Commissions earned from card activations (virtual $2.75, physical free for Emerald), transaction volumes processed through cards, and subscription renewals. Partners earn up to 25% on card activations and up to 30% on subscription purchases including renewals.
3. Card Transaction Fees: FX fees (1.02% on non-USD spending), ATM withdrawal fees ($0.10), and transfer fees ($0.25 per transfer) charged to users. Virtual card issuance at $2.75 for non-Emerald subscribers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Rizon is a non-custodial stablecoin neobank platform that operates as a software interface layer, enabling global users in 122+ countries to hold, send, save, and spend U.S.-dollar-pegged digital assets. The platform combines a Privy-powered non-custodial wallet, Rain-issued Visa Platinum cards (physical and virtual), and ACH/SEPA virtual accounts so users can spend stablecoins at 100M+ merchants, receive platform payouts, and transfer money globally at up to 89% lower cost than traditional banks.

Product overview

Rizon is a non-custodial stablecoin neobank platform that operates as a software interface layer, enabling global users outside the U.S. to access dollar-denominated financial services. The core platform integrates multiple third-party providers — Privy for non-custodial wallet infrastructure, Rain (Nimbus LLC) for Visa card issuance and fiat off-ramping, and Stripe Bridge for compliance — to deliver a unified suite of products. The flagship product is the Rizon Visa Platinum Card (available in both physical and virtual forms), which powers spending, ATM withdrawals, and mobile payments via Apple Pay and Google Pay. Around the card, Rizon offers a Send Money/Global Remittances service (up to 89% cheaper than traditional banks with 3.2-second transfers), USD and EUR Virtual Accounts (for receiving Deel, Gusto, Rippling, Upwork, YouTube, and Airbnb payouts), multi-method Deposit/Funding (ACH, SEPA, Apple Pay, Google Pay, credit/debit cards, and stablecoins), and an Invest feature for tokenized stocks issued by Backed Finance AG. The product suite is extended by RizPoints (a cashback and rewards program offering up to 2.5% cashback), the Rizon Partner Program (commission-based referral system up to $5,000 salary), and a Spend Stablecoins feature enabling direct stablecoin spending without offramps. Rizon primarily serves users in 122+ countries across Latin America, Africa, Asia, and the Middle East who need dollar banking without a U.S. bank account. The company was founded as a Delaware C Corporation and launched its platform approximately in September 2025, later completing a $2M pre-seed round in February 2026.

Differentiator

Problem solved

Functional benefit

Products and services

• Rizon Mobile App Non-custodial stablecoin neobank mobile application that enables global users to open USD accounts, hold/send/save/spend U.S.-dollar-pegged digital assets, and make cross-border transfers at significantly reduced fees. Connects users with Privy for wallets, Rain for card services, and Stripe Bridge for compliance without Rizon holding user funds.
• Rizon Visa Platinum Card US-based Visa Platinum debit card (physical and virtual) that allows users to spend stablecoin balances directly for real-world purchases at 100M+ merchants worldwide, withdraw local cash at ATMs globally, and pay via Apple Pay and Google Pay. Card converts stablecoins to fiat through Rain infrastructure at point of sale.
• Global Remittances Cross-border money transfer service enabling users to send USD globally to recipients in approximately 122 countries at up to 89% lower cost than traditional banks, with near-instant transfers (3.2 seconds), transfer fees up to 0.25%, and no hidden markups. Recipients can receive dollars directly.
• USD and EUR Virtual Accounts Virtual multi-currency accounts providing users with US-based ACH account details and EU-based SEPA account details, enabling receipt of international payments, payroll deposits from platforms (Deel, Gusto, Rippling, Upwork, YouTube, Airbnb), and local bank transfers in 50+ countries without needing a local bank account.
• Invest (Tokenized Stocks) Investment feature enabling users to buy tokenized stocks (e.g., Apple, Tesla) directly within the Rizon app, powered by Backed Finance AG. Tokenized stocks are blockchain-based instruments that track underlying equity price movements without conferring ownership rights or shareholder benefits. Available in select jurisdictions only.
• RizPoints Rewards Program Loyalty and rewards program where users earn RizPoints with every dollar spent on their Rizon card. Points can be redeemed for exclusive rewards, perks, and gifts. Program includes tiered benefits where higher spending unlocks premium tiers and additional benefits. Partners also earn RizPoints as part of the partner program.
• Rizon Partner Program Referral and affiliate program offering commissions up to 25% on card activations and transactions, up to 30% on subscription purchases and renewals, and recurring monthly income. Top-performing partners can earn a fixed monthly salary up to $5,000. Program includes tiered levels (Level 1 through VIP) based on referral performance, with dedicated account managers and ready-made marketing assets.

Quantifiable outcome

• 89% cost savings on global transfers compared to traditional banks
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration26 records

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• Privy (Horkos, Inc.)coreTechnology or IntegrationThird-party provider facilitating user onboarding, authentication, and non-custodial digital wallet infrastructure. Privy enables users to create wallets using email-based authentication or OAuth (Google, Apple), significantly lowering barrier to entry. The wallet is non-custodial—private key material is controlled solely by users.
• Rizon Technologies, UABcoreOthersCompany within Rizon group appointed to act as commercial agent, authorized to negotiate and conclude agreements with users in Rizon's name and on Rizon's behalf, and to accept payments on Rizon's behalf. Does not provide financial services itself.
• VisacoreTechnology or IntegrationPayment network partner enabling Rizon Visa Platinum cards (physical and virtual) to be accepted at 100M+ merchants and ATMs worldwide. Cards are issued by Rain but operate on Visa's payment infrastructure.

Scale indicators7 records

Recent moves4 records

Expansion highlights6 records

Direct peers

• RedotPay: RedotPay issues crypto-backed Visa debit cards and multi-currency accounts to users across Asia, LATAM and beyond, with a near-identical target customer (unbanked/underbanked users seeking USD access) and product surface (card + send + accounts). Featured on Rizon's own competitor comparison page.
• Kast: Kast is a stablecoin-linked Visa card and payments app targeting global users, very similar to Rizon's core card + USD account offering. Rizon itself lists Kast on its comparison page, indicating direct competition for non-US dollar-banking customers.
• Wirex: Wirex is a long-established crypto-linked Visa debit card and multi-currency wallet serving 130+ countries with similar stablecoin/card/account features. It is one of the most mature direct competitors to Rizon in the global stablecoin neobank category.
• Avici: Avici is a stablecoin card/neo-banking competitor explicitly compared against Rizon on Rizon's own comparison page. It targets similar non-US users seeking USD-denominated card and transfer services.
• Offramp: Offramp is a stablecoin-to-fiat card and payments product that Rizon directly benchmarks itself against on its website. It targets users wanting to spend stablecoins at point of sale, overlapping with Rizon's Visa card use case.
• ZAR: ZAR is a stablecoin-based banking and card provider that Rizon directly compares itself against in terms of card fees, FX rates and transfer costs. It serves a similar non-US dollar-banking segment, particularly users in emerging markets.

Broad incumbents

• Crypto.com: Crypto.com offers a Visa debit card, multi-currency accounts, and a broad crypto exchange and rewards ecosystem to a global user base. It is a much larger, broader incumbent whose card product directly overlaps with Rizon's core offering.
• Binance: Binance is the world's largest crypto exchange and operates the Binance Card (Visa) in partnership with licensed issuers across multiple regions. Its global scale, brand and liquidity make it a broad incumbent competing for the same crypto-card user that Rizon targets.

Emerging players

• Gnosis Pay: Gnosis Pay is an emerging self-custody Visa card that settles in EURe stablecoin via Gnosis Chain, offering spending at merchants directly from a user's own wallet. It overlaps with Rizon's non-custodial stablecoin-spending thesis but is more EU-focused and at an earlier stage.
• Airtm: Airtm is a digital dollar wallet and payments platform focused heavily on Latin America, enabling users to hold USD balances, receive payouts, and transfer funds locally. It targets an overlapping user base to Rizon in LATAM, though with a more regional emphasis and without the Visa card rail.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/getrizon
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rizon