Hybrid Finance

DEFI is an umbrella term for a variety of financial applications in cryptocurrency or blockchain, geared toward disrupting financial intermediaries.

With the right checks and balances and the involvement of regulated entities when necessary, these innovations can also be applied to digital securities in a hybrid finance “HyFI” format and benefit the capital markets space.

Reltime offers exciting hybrid finance services.

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LENDING MARKET PLACE

A unique way to offer various types of liquidity at the best possible terms. We connect thousands of lenders with thousands of borrowers.

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RELTIME WALLET - CRYPTO AND FIAT

Store your assets regardless of crypto or fiat. Move assets over the world to other wallets, yours or others. Use Joint wallets for free remittance, connect to IBAN.

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CARDS - DEBIT AND CREDIT WITH TRUSTED ZONE

Use our designed VISA card, connected to your crypto or fiat wallet. Prepaid or with a handy credit at your disposal. Contactless payments are protected with our unique Trusted Zone concept.

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COMPLIANCE AND CUSTODY

Start your account with our hassle-free simplified onboarding. Later on, we will perform all necessary KYC/AML/PEP checks when needed. Through our partners, we are licensed to take custody of your account.

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OPEN BANKING

Instant access to all your accounts. Partners of Reltime can roll out their own service through our Market Place. The use of open APIs will enable third-party entity/merchants

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LENDING MARKET PLACE

We connect lenders with borrowers in our highly dynamic Market Place. Imagine thousands of lenders offering thousands of borrowers loans at various terms. It’s a Market Place – the market will decide for the most attractive loan – or who is the most attractive borrower.

BORROWERS

  • Borrow fiat or crypto with instant payout
  • Compare different loan offers, pick the best one at any time
  • Use fiat or crypto as collateral
  • Borrow smaller amounts for shorter time without collateral
  • Borrow based on your credit score, pay the loan through your phone bill each monthly

LENDERS

  • Lend fiat or crypto, set your rates and terms
  • Benchmark your terms against all other lenders, match the markets best offer
  • Define terms for collateral, credit score, and more
  • Offer short term micro-loans. Higher risk, higher reward

‘HYFI FLASH LOANS AND API’

Developers interface to borrow and repay any amount in one single blockchain transaction. No collateral needed.

Coming soon.

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RelTime to market

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Developing

We are finalising our software as we speak. Lots of functionality and features will be added until May.

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STO offer

Opportunities are almost unlimited. We aim to have our security token (RTS) listed at Archax.com before the summer. Check out for our coming STO offer and participate as a first mover.

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Business open, listed at Archax

We plan to go live sometime in April-May this year. At the same time, we aim to allow you to invest in our token at archax.com and benefit from increased values.

What Is Ready now?

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WALLET AND CARD

Full Neobank Wallets supporting IOS and Android and Biometric authentication. Reltime support Virtual Card and Biometric Single Silicon Card

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COMPLIANCE

Onboarding through Simplified Due Diligence, allows fast roll-out to large customer bases. Fully automated, paperless KYC/AML is part of the process when you reach the acquired limit.

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MOVE MONEY

Send money instantly and globally by utilizing the receiver’s mobile number, account-to-account. If no account is present, we provide instant account creation based on SDD.

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JOINT ACCOUNT

Create a Joint account with anyone, anywhere and move assets freely  between members. Remittance cost is zero and you do it in a split of a second to anyone.

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The infrastructure

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Compliance SLA/Support

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