RAISON pools all user accounts, analyses cash flows and offers recommendations on how to improve the customer’s financial position. The application enables utilisation of familiar financial services (IBAN, cards, and payments) on a single platform.
The platform focuses on functional simplicity based on the state-of-the-art high-tech financial solutions in a fully regulated legal environment.
The product specifically targets the Western European market as the most legally-transparent region with positive attitudes towards cryptocurrencies and excellent investment prospects in a zero interest rate environment.
Further market development prioritises Eastern Europe, Great Britain and the USA.
RAISON platform is built by a team of professionals from “Threesixty Elements S.A.” specialising in wealth management services and financial advice, and AKILIO project team, successfully implementing machinelearning and AI-integrated systems across many industries.
RAISON is the platform for handling the investments and personal finance, which employs the Artificial Intelligence algorithms and offers simplicity, enhanced usability and wide investment opportunities, among other things, in the blockchain-related products. The platform allows analyzing users financial situation and using the application in everyday life — for example, to pay for shopping with bitcoins using virtual Apple Pay card or jointly settle bills for lunch. We have integrated all financial environments of a customer into a single app.
Ethereum erc20 standard token.
november 2014 – january 2015
Attention. There is a risk that unverified members are not actually members of the team
Most experts believe that the share of banks in the global financial ecosystem will constantly decline, and their place will be occupied by various fintech start-ups. The question is how successfully Raison will be able to compete with major projects that attracted tens of millions of venture capital investments.
Currently, there is no product - launch is planning on May 2018. The automated forecasting system uses neural networks and machine learning technologies; to confirm the performance of their algorithms, the company should present results of forecasting, to allow users to check their accuracy. Most of the decisions vital to the operation of Raison will be launched only in 2018-2019. Question of collaboration with European regulators is still open. In WP is written: “The main expenditure items for RAISON will be the operating costs, namely licensing, office rent, personnel and IT development. A more detailed breakdown is provided in the full financial model, which is available separately”. The point is that structure of costs and, therefore, forecast of EBITDA are not provided initially. > 20% in revenue structure of 2020, and ~ 30% of revenue in 2021 accounted for a commission from transactions, but currently there are no guarantees that Raison will receive a banking license. “A portion of the collected funds, but not more than 20 million EUR, will be equally distributed between the Element ONE and Element Blockchain” - without any guarantees for the owners of tokens; investment strategy is also not disclosed. The main revenue channels, which in 2020 and 2021 will provide more than 50% of its total volume, will be margin loans for the purchase of classic (shares, bonds) and crypto-assets. The rate of yield on loans for buying classic assets, specified in the WP, is 1.2%; revenue in 2020 is € 33.6M, in 2021 - € 82.2M, so Raison needs to raise € 2.8bn in 2020 and € 6.85bn in 2021 - and so far, there are no guarantees, that large financial organizations will be ready to provide such funds.
The lack of advisory from large companies working in the financial sector - banks, fintech-projects. For the CEO and COO there are no links to their LinkedIn. It is possible that the current employment in Threesixty Elements will prevent some key employees from fully focusing on working in Raison.
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