The Founders

Financial infrastructure × verifiability protocols.

Behind RECoin: 25 years of card-network plumbing meets the verifiability protocols of next-generation product platforms. Both depths now applied to real estate from the rails up.

Ramia PichumaniAvi RainaExecutive team

Co-Founder · CEO & CTO, RD2 TechnologiesPatent author

Ramia Pichumani

“She's rebuilding the transaction layer itself.”

Ramia Pichumani builds at the level where financial systems either hold or fail. Over 25 years in Fintech and the Payment Card Industry, she has architected the unseen plumbing of money — Banking as a Service (BaaS), card authorization, clearing, settlement, fraud detection. Among her work is a private-network transaction system for a closed-loop card program, the kind of infrastructure that processes millions of transactions a day without anyone noticing it exists.

That experience shapes how she approaches RECoin. While most companies digitize one piece of real estate, Ramia is rebuilding the transaction layer itself — marketplace, ownership, rent, secondary transfers, beneficiary rules, and property-backed liquidity, with transaction eligibility enforced before trades execute. She designed the system from first principles, wrote both patent specifications herself, and built the platform — hybrid contracts, mobile app, customer website, and admin portal — on her own. Two applications are filed with the USPTO: the first covering the entire real-estate lifecycle on-chain, the second covering cross-chain interoperability with portable legal state.

Working with Ramia means working with someone who has lived inside the financial system long enough to know exactly what it's missing. She is patient with complexity, impatient with shortcuts, and committed to building things that will still be working a decade from now.

What Ramia built into RECoin

The 30+ hybrid contracts

Designed and implemented every Solana program governing the platform, plus the EVM contracts that carry its legal state cross-chain.

Two USPTO patent applications

Authored both filings herself — the on-chain real-estate lifecycle, and cross-chain portability of its legal state.

Hash-based identity attestation

SSN, ITIN, address never touch the chain — only SHA-256 proofs.

Pre-trade compliance enforcement

Transaction eligibility checked at the contract layer before trades execute.

Co-Founder · Chief Strategy Architect, RD2 TechnologiesLiving Proof Protocol · Bloomiya

Avi Raina

“He sees where systems quietly break down — where assumptions replace thinking — and rebuilds them properly.”

Avi Raina has a habit of noticing what others move past. He sees where systems quietly break down — where assumptions replace thinking — and takes the time to rebuild them properly. Rather than chasing quick wins, he focuses on creating things that hold up over time.

That instinct is exactly what RECoin needs. Real estate ownership is moving from a static, paper-based system to one that is programmable and incremental — fractional, subscription-based, with rent distribution handled by smart escrow and ownership transfers governed by code. Avi's job is to make sure the foundations underneath that shift hold. He brings the same depth he brought to Bloomiya, where he designed the Living Proof Protocol to make verifiability intuitive, the dual-token model to encourage long-term engagement, and the coaching system that learns from patterns over time.

Having built multiple companies, Avi approaches his work with quiet conviction — less focused on visibility, more on getting the fundamentals right. With RECoin, he's helping rebuild the transaction layer of the world's largest asset class.

What Avi brings to RECoin

Founder of multiple companies

Track record of shipping ventures end-to-end, not just designing them on paper.

Architect of the Living Proof Protocol

Verifiability primitive built at Bloomiya — directly informs RECoin's on-chain attestation design.

Designer of Bloomiya's dual-token model

Economic model for long-term engagement — same thinking behind RECoin's fractional + stablecoin pairing.

Pattern-learning coaching system

Bloomiya engagement engine — informs HomeForge progression, applied as a retention layer not a headline feature.

Avi Raina, Co-Founder, Chief Strategy Architect of RD2 Technologies

Executive Team

The team building it with us.

Beyond the co-founders: the operators leading security, compliance, product and design under real regulatory weight.

Chief Security & Compliance Officer, RD2 TechnologiesSWIFT · Capital One · Fannie Mae · JPMorgan Chase

Rajneesh Chadha

“Security is a property of the system, not a checklist.”

Rajneesh Chadha has spent 25 years inside the institutions that hold financial infrastructure together — SWIFT, Capital One, Fannie Mae, and now JPMorgan Chase. The throughline is the security layer where every transaction either gets through, gets stopped, or gets quietly investigated, and the discipline required to keep regulated systems both fast and unimpeachable at once.

That discipline is exactly what RECoin's compliance perimeter needs. Property is the most-regulated asset class in the country — title, mortgage, tax reporting, AML, sanctions, fair-lending — and RECoin builds AML, sanctions, title and mortgage checks into the contract layer, with the legal path set by counsel. Rajneesh leads the security and compliance posture: how identity, attribution, and audit trails hold up when the county deed is mirrored on a blockchain, and how every flow can be defended to a regulator before the regulator asks. As a real estate investor himself, he understands both sides of the platform — the user and the regulator — and brings the institutional rigor that lets a fintech-native platform speak the language of bank examiners.

Strategic in approach, methodical in execution, and a builder of teams that perform under pressure, Rajneesh treats security as a property of the system itself — built in from the rails up. It is the same principle the rest of RECoin is built on.

Chief Product & Design Officer, RD2 TechnologiesFractal · SAP · Infosys

Priya Sathiyam

“She designs for the moment someone decides whether to trust a system.”

Priya Sathiyam works where complex systems meet the people who have to trust them. Over 24 years she has moved from writing enterprise software to leading design at scale — scaling SAP's Fiori design system across industries, then building Fractal's AI design practice from nothing into a team of a hundred, with an agentic AI design system recognized by Forrester. The throughline is the same each time: technology earns its place only when the person on the other side understands what it is doing on their behalf.

That conviction is exactly what RECoin needs. Owning part of a home on the deed is new to almost everyone who will try it — money held in escrow until the county records the deed, a custody fee shared by ownership, rent split among co-owners, resales recorded at the county. Every step has to be understood before it can be trusted. Priya leads product and design across RECoin's mobile app and its web, admin and authority apps, to one standard: a first-time buyer always knows exactly what they own, what they pay, and why — with nothing important left to the fine print.

Trained as an engineer and as a psychologist, Priya treats design as behavior and decision science rather than decoration — and, now that systems act on people's behalf, as an ethical discipline first. Working with her means every screen has to pass one test: would the person on the other side make the same choice if they understood everything the system does?