RAISON helps to maintain an optimal investment portfolio of cryptocurrencies, shares, bonds and funds based on the customer risk profile and investment expectations. RAISON pools all user accounts, analyses cash flows and offers 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. Ultimately, we have formulated a clear-cut goal for the new platform — to make a person’s life easier when working with crypto-currencies and conventional investment products and raise the customers’ living standards by efficiently handling their finances. The platform includes five levels, each offering its own functionality both for fiat environment and blockchain economy: • Investments – cryptocurrencies, mining and ICO funds, umbrella services for professional (blockchain); p2p-insurance and lending, equity, bonds, ETF (fiat). • Advisory – for cryptocurrencies and ICO, financial ratings (blockchain); for all accounts and recommendation for financial life (fiat). • Custody services – bitcoins and major altcoins, tokens (blockchain); current accounts in €, $ and investments accounts (fiat). • Transfer & Payments – for cryptocurrencies and payment in crypto by cards (blockchain); sepa-transfers, apple and android pay, abroad payments with real exchange rates (fiat). • Everyday Life - remote onboarding, debit and credit cards, fast and cheap FX exchanges, split bills (both). As of today, we forecast 1 year ahead, therefore the data processing time window is from -1 year to +1 year from the given moment. The system will probably be changed during the RND process into a sequential comparison of two time windows year-over-year to identify annual cycles and improve the long-term forecast accuracy.