RAISON pools all user accounts analyze cash flows and offer recommendations on how to improve the customer’s financial position. The application enables utilization 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 prioritizes Eastern Europe, Great Britain, and the USA. RAISON platform is built by a team of professionals from “Threesixty Elements S.A.” specializing in wealth management services and financial advice, and AKILIO project team, successfully implementing machine learning and AI-integrated systems across many industries.