Non-custodial by design.
Your assets are held in wallets and accounts that you control. Reah cannot move them without your authorization.
Security
Your funds are always yours
Reah is built on a non-custodial, transparent, modular financial architecture — structurally designed so we never take custody of your assets.
Three rules the architecture enforces
Not promises. Properties of the system.
Segregated at all times.
Your funds are never pooled with other users’. Each account is independently scoped and accountable.
Transparent by default.
Where possible, balances and asset flows are verifiable onchain. We prioritize verification over trust.
Funds move through Reah, not into Reah.
Reah coordinates routing across the lifecycle — but ownership stays with you at every step.
Routing layer · never holder- DepositFiat or crypto
- ConversionVia regulated partners
- Wallet (yours)Virtual Accounts · Non-custodialYour assets · always
- AllocationCard · treasury · yield
- Send / TransferOnchain & traditional rails
Six layers, one principle: ownership is preserved
Each layer is independently hardened. None of them require trusting Reah with custody.
Layer 01
Wallet
Your assets stay in independent, non-custodial wallets with strict key isolation. Private keys never leave secure execution environments (TEEs), with signing handled by hardened infrastructure powered by Turnkey.
Layer 02
Policy engine
A programmable policy engine governs fund movements across wallets, banking, treasury and cards. Multi-party approvals and granular permissions determine who can authorize transactions and under what conditions.
Layer 03
Fiat & banking
Access fiat banking through regulated financial partners and virtual accounts. Funds are converted into compliant digital assets (USDC, USDT or similar) and deposited to your non-custodial wallet, with Reah acting as the bridge.
Layer 04
Stable asset
Depending on account configuration, balances may be represented as stable digital assets — designed for consistency and programmability, fully tied to your account ownership, with no platform-level balance sheet exposure. Where applicable, balances can be verified onchain.
Layer 05
Card & spending
Spending runs through external, regulated payment networks. Card issuance and payment processing are handled by licensed providers. Funds must be explicitly allocated for card usage. Spending requires explicit allocation — never implicit access to your wallet.
Layer 06
Execution & liquidity
Asset conversions execute across aggregated liquidity sources for best execution — no internal pricing, no hidden spreads, transparent routing. Optional yield strategies route across both onchain (DeFi) and traditional infrastructure with transparent allocation. You choose if — and how — your funds are deployed. Reah acts only as a routing and coordination layer, never as a counterparty.
What Reah does not do
These aren’t policies. They’re properties of how the system is built.
- We do not custody user funds.
- We do not pool assets.
- We do not lend user funds internally.
- We do not use fractional reserves.
- We do not take directional risk with your assets.
Service providers and account structures evolve.
Reah is a modular financial system. Wallet infrastructure, banking partners, asset models, and account structures may evolve as the system matures and better options emerge.
The core guarantees stay fixed.
You retain ownership of your assets. Your funds remain segregated. The system remains transparent. These are constants — independent of which providers happen to be in place at any given time.
Your money stays in your hands.
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