Hybrid PSP for high-risk in Argentina. 23% higher conversion than competitors, proprietary orchestrator, 0.2s payouts, instant settlement.
Accounts get blocked weekly. Lifecycle ~90 days. No banking API — everything except pay-in is manual. Scaling = proportional growth of failures and risks.
Security deposit and prefunding — your money on the line. Few accounts — one freeze = full stop. Settlement T+1/T+2. FX manually via OTC. Onboarding takes weeks.
Ray is a hybrid. Speed and rotation from P2P. Corporate accounts and API from PSP. AI orchestrator on top. Detailed comparison ↓
"In high-risk, clients aren't the problem. The problem is accepting money. Accounts get flagged. Transactions get declined. Banks shut everything down overnight."— WebPays, LinkedIn, 2026
| P2P NETWORKS | CORP. PSP | RAY (AI-HYBRID) | |
|---|---|---|---|
| Rotation | ✓ Fast account rotation | ❌ Few accounts — one freeze = full stop | ✅ AI rotation of 300+ accounts in real time |
| Capital | ✓ Own working capital | ❌ Pre-funding / security deposit — your money on the line | ✅ Own working capital — $0 of your funds frozen |
| API | ❌ No banking API — only pay-in is automated | ✓ Corporate accounts + API | ✅ Corporate accounts + banking API |
| Automation | ❌ Payouts, purchasing, disputes — all manual | ✓ Pipeline automation | ✅ 100%: pay-in → settlement → payout → disputes |
| Settlement | ✓ Crypto settlement | ❌ Settlement T+1/T+2 — not same day | ✅ Payouts 0.2s · auto-crypto settlement T+0 |
| FX | Irregular FX | ❌ FX purchasing manually via OTC/broker | ✅ Auto-conversion ARS→USDT multiple times per day |
| Blocks | ❌ Accounts blocked weekly | ✓ More stable than P2P | ✅ AI offloads accounts before they get frozen |
| Scaling | ❌ Scaling = proportional risk growth | ❌ "Smart routing" = marketing without ML | ✅ Traffic redistributed in milliseconds |
| Onboarding | ✓ Fast player onboarding | ❌ Compliance onboarding — weeks until first transaction | ✅ One API forever — zero migrations |
| Stability | ❌ Constantly shut down — lifecycle ~90 days | ✓ Stable lifecycle | ✅ Contract with UK legal entity |
| PayIn Conversion | Conversion ~60-73% | Conversion ~70-82% | ✅ up to 98% |
| Payout Speed | Payouts: minutes to hours | Payouts: seconds to minutes | ✅ 0.2 seconds |
| Disputes | ❌ Disputes 5-8% — manual processing | Disputes 1-2% — partial automation | ✅ < 0.5% |
"Nearly three quarters of PSPs rely on three or fewer banking partners. A PSP with fewer than three banks is in a precarious position."— Neo/GetNeo Report, 2025
The same AI infrastructure deploys to new markets in days. New banking connectors, same orchestrator.