RAISON is an AI-based platform designed to handle investments and personal finance. RAISON helps to maintain an optimal investment portfolio of cryptocurrencies, shares, bonds and funds based on the customer riskprofile 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 utilisation of familiar financial services (IBAN, cards, and payments) on an integrated 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 prioritises Eastern Europe, the UK and the USA. The RAISON platform is developed by the joint team of Threesixty Elements SA, professionals specialising in capital management services under the regulation of the Securities and Exchange Commission (US), AKIL.IO, the resident of the ITMO Research University, successfully implementing machine learning and AI-integrated systems, as well as NetBox, a company created by former employees of MAIL.RU, responsible for technology and product base development.