Evolution over revolution: Rayls brings banks onchain
$100 trillion is sitting on the sidelines while DeFi battles over scraps. What if we could bridge that gap today?
One of the most challenging problems for DeFi protocols remains attracting liquidity. There are hundreds of protocols across dozens of chains, each competing for trading volume, lending capacity, and fee generation. The competition is intense, with protocols constantly offering new features, higher yields, or lower fees to attract users.
But there's a fundamental problem: while the competition is infinite, the capital is finite. Most protocols are fighting for the same piece of a very small pie.
The Liquidity Crisis in DeFi
Current DeFi TVL sits at roughly $50B - a drop in the ocean compared to traditional finance. Protocols resort to unsustainable tokenomics and incentive mechanisms just to show temporary growth:
- Private liquidity deals offering preferential terms to select users
- Short-term incentive structures that collapse when rewards dry up
- Liquidity that disappears as soon as yields decline elsewhere
- Capital inefficiency through siloed, locked positions
These approaches produce inefficient pricing mechanisms, volatile TVL, and poor incentive alignment between liquidity providers and protocols. The reality is stark: DeFi is trapped in an adolescent phase, recycling the same limited capital while real institutional money remains on the sidelines.
The $100 Trillion Opportunity
Meanwhile, traditional banking systems control over $100 trillion in assets. That's not a typo - traditional finance operates with 2,000 times more capital than the entire DeFi ecosystem.
Banks hold:
- Vast deposits from 6 billion customers worldwide
- Securitized assets and structured products
- Massive receivables and derivatives markets
- Capital market infrastructure with trillions in daily settlement volume
Yet this capital remains entirely disconnected from blockchain technology. Why?
Banks Need More Than Philosophy
After years of working with major financial institutions, we've identified the key barriers preventing institutional adoption:
- Regulatory compliance: Banks operate in highly regulated environments with strict KYC/AML requirements
- Privacy concerns: Financial institutions cannot broadcast sensitive transaction data publicly
- Security requirements: Banks need institutional-grade security guarantees
- Technical limitations: Current blockchains lack the throughput for institutional transaction volumes
DeFi's initial cypherpunk vision of total separation from traditional finance was an important first phase. But true financial evolution requires integration, not isolation.
Introducing Rayls: The Blockchain for Banks
Rayls is a blockchain infrastructure built specifically for financial institutions, designed to bring $100 trillion of bank liquidity and 6 billion customers onchain.
It combines:
- A public permissionless EVM chain
- Private, permissioned subnets for banks
- Zero-knowledge privacy features via the Enygma protocol
- Quantum-safe security measures
- Bank-verified KYC attestations on the public chain
- High scalability (10,000+ TPS) for institutional transaction volumes
Rayls creates a bridge between traditional finance and DeFi innovation, connecting previously siloed systems.
How Rayls Works
Rayls uses a hub-and-spoke model:
- Banks operate on private subnets with full regulatory compliance
- Assets flow to the public chain through compliance gateways
- DeFi protocols gain access to institutional liquidity
- Banks gain access to DeFi yields and innovation
Rayls connects the $100 trillion of real capital markets to blockchain technology - bringing actual institutional volume rather than recycling the same limited crypto assets.
Who Benefits from Rayls?
For DeFi Protocols:
- Access to institutional liquidity and banking customers
- Sustainable growth rather than temporary incentives
- Capital markets scale that dwarfs current volumes
For Financial Institutions:
- Compliant access to blockchain technology
- Privacy-preserving transaction capabilities
- Integration with DeFi innovation without regulatory risk
For Bank Customers:
- Access to DeFi yields through trusted institutions
- New financial products and capabilities
- Blockchain benefits without technical complexity
Real-World Traction
Rayls has real adoption happening now. The team is already working with major financial institutions:
- Santander Brazil
- Central Bank of Brazil
- Núclea (Brazil's clearinghouse)
- Selected for Mastercard's Start Path program
The JP Morgan Epic Report has highlighted Rayls as superior to competitors in multiple technical evaluations.
Evolution, Not Revolution
DeFi's adolescent phase of isolation is ending. The next evolution of finance brings banking infrastructure into the blockchain era.
Rayls represents a mature approach to blockchain finance:
- Enterprise-grade infrastructure for serious capital
- Regulatory compliance built in from the start
- Capital market integration with blockchain technology
- Practical solutions for institutional adoption
Time for DeFi to Grow Up
For too long, DeFi has played in its own sandbox with toy-level capital. The $50B ecosystem remains a proof-of-concept when compared to the $100T traditional finance world.
Rayls enables DeFi to finally sit at the adult table of global finance. By bridging the institutional capital gap, Rayls helps blockchain technology fulfill its true potential: transforming the entire financial system.
The future of finance combines DeFi innovation with TradFi scale. It focuses on integration, efficiency, and bringing the best of both worlds together. That future starts with Rayls - the blockchain for banks.
Join the Evolution
Rayls is preparing for its Token Generation Event with a phased approach to building community, demonstrating technology, and onboarding institutional partners.
To participate in the next phase of financial market evolution, mint your Rayls Ticket NFT today and join the blockchain for banks revolution.
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