Rail — Automated Wealth Building | Your Money Grows on Autopilot

The real cost

You're not bad with money. The system is broken.

You're forced to split your life across a bank, a brokerage, and a dozen apps — each demanding decisions you shouldn't have to make. The result isn't empowerment. It's paralysis.

The amount your checking account earns while inflation eats 3% a year

72hrs

Average time money sits idle between paycheck and first investment

Apps the average person juggles for banking, saving, and investing

0 min

Time Rail needs from you after setup. Zero. Forever.

How it works

Set it once. Your money moves forever.

No daily decisions. No manual transfers. Rail runs in the background so your wealth builds while you live.

Get paid

Your income lands in Rail. No extra steps. No behavior change. Just your money, arriving where it should.

More about Get paid

Split automatically

Every dollar is instantly divided — spend, save, invest — based on your rules. Set once, runs forever.

More about Split automatically

Grow silently

Your invested money starts compounding immediately. No decisions. No timing. No effort. Just growth.

More about Grow silently

Why switch

Not another fintech app. A fundamentally different account.

	Banks	Neobanks	Robo-advisors	Rail ✦
Primary account	✓	✓	✗	✓
Automatic investing	✗	✗	✓	✓
Zero idle cash	✗	✗	✗	✓
Instant allocation	✗	✗	✗	✓
Spending + investing	✗	✗	✗	✓
Behavior gap eliminated	✗	✗	Partial	✓

Your new primary account

Everything a bank does. Plus everything it should.

—

Title
line two

Body text.

Your Station

Everything in one place.
Nothing to manage.

Your total balance, spending, stash, and investments — all visible at a glance. No switching between apps. No mental overhead.

Instant access

Send, receive, and withdraw — on your terms.

Move money in and out of Rail instantly. Withdraw to your wallet or bank anytime. Your money is always yours.

Multi-currency accounts

NGN, USD, and EUR — hold and spend in any currency.

Separate accounts for each currency. Virtual and physical debit cards included. No surprise conversion fees.

NGN

Naira

USD

Dollar

EUR

Euro

Send money

Send to anyone, any way they prefer.

Pay via RailTag, email, or phone number. No account details needed — just how they're reachable.

⚡

RailTag

@username

✉️

name@example.com

📱

Phone number

+234 800 000 0000

Common questions

Every deposit into Rail is instantly split — a portion goes to your spending balance, and the rest is automatically invested through our brokerage partner, Alpaca Securities. No manual steps required.

Rail doesn't hold your funds directly. Cash is held in FDIC-eligible accounts through Bridge, and investments are held at Alpaca Securities, an SEC-registered broker-dealer. All data is encrypted with AES-256.

Rail has no subscription fees, no trading fees, and no hidden charges. We believe your money should work for you, not for us.

Yes. Rail is a full primary account — you get a Visa debit card, direct deposit, and instant access to your spending balance. It works everywhere your current bank does.

Within seconds of your deposit clearing. There's no waiting period, no manual confirmation. Your allocation rules execute immediately.

Yes. Your spending balance is always available instantly. Invested funds can be withdrawn at any time — liquidation typically completes within one business day.

Rail currently supports users in Nigeria, United States and United Kingdom, with more regions coming soon. You'll need to pass identity verification (KYC) to get started.

Your money Grows the moment it arrives

You're not bad with money. The system is broken.