An instant-payment foundation, built in the open — for interoperability across providers, currencies, and borders.

raio learns from Brazil's Pix — alias-based pay-to-key, 24/7 instant transfer, the "copia e cola" QR — and packages those ideas as a correct, federatable foundation for any market. It is currency-aware (a broad, growing set of currencies, including zero-decimal ones like the CFA franc zones) and standards-aware (EMVCo QR, ISO 20022, the GSMA Mobile Money API, PAPSS). It is not a bank. It ships the root-of-trust types and the trait seams; the community builds the rails.