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 — 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 the patent specification herself, and built the platform — smart contracts, mobile app, customer website, and admin portal — on her own. The patent is filed with the USPTO covering the entire real estate lifecycle on-chain.

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 24 on-chain programs

Designed and implemented every Solana program governing the platform.

The USPTO patent application

Authored the filing herself — covering the entire real-estate lifecycle on-chain.

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, and product surfaces that have to hold 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 enforces all of it on-chain. Rajneesh leads the security and compliance posture: how identity, attribution, and audit trails survive the move from county recorders' offices onto 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.

Software Engineering InternPurdue Computer Science · Cisco · Marriott

Vasudevan Raghava Balaji

“Engagement design meets cryptographic accounting.”

Vasudevan Raghava Balaji treats technical complexity as an invitation, not an obstacle. A Computer Science graduate from Purdue, he now builds at Marriott — with earlier work at Cisco and George Mason on vector search, data visualization, and security analytics, the connective tissue between research and production. He gravitates toward problems at the intersection of disciplines, because that is where the most interesting work tends to live.

At RECoin he works on HomeForge — the gamified equity-building layer that turns on-time rent, mortgage payments, and verified actions into property ownership a fraction at a time. HomeForge has to be playful enough to keep a first-time homeowner engaged for a decade and rigorous enough to attest every CP point on-chain, with sybil resistance, decay, and anti-abuse logic that holds at scale. Vasu builds at the surface where engagement design meets cryptographic accounting.

Early in his career, Vasu is at the point where the things he learns this year will define how he builds for the next thirty. He chose to spend it on infrastructure for an asset class that has barely changed in a generation — which is exactly the kind of bet RECoin was built to reward.