In this third episode of Che Web Talks, CEO Alex Lozytskyi sits down with Ignas Survila (Co-founder & CEO at Rizon) to unpack how he built Rizon - a consumer neobank running on stablecoin rails for global access. They cover idea validation, community-driven early adoption, non-custodial architecture, secure scaling, and when to quit versus push forward. You’ll hear how Rizon differentiates from exchanges, what’s next on the roadmap, and what fintech means for emerging economies.

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Introduction: A Founder, a Gap, a New Rail

Rizon wasn’t born from a love of crypto hype. It started with a simple, frustrating question: why is a “neobank experience” for stablecoins still so clunky? After trying mainstream apps, Ignas Survila felt the UX gap instantly. A call to a crypto-native friend confirmed it: there wasn’t a clean, consumer-grade home for stablecoin money movement. That was the spark.

“If someone this deep in the space can’t name a consumer-friendly stablecoin neobank, either it doesn’t exist - or there’s a big opportunity”.

Weeks later, a scrappy team had a public launch. 13,000+ signups in six weeks and triple-digit weekly growth signaled they’d tapped into a real need.

From Ideas to Evidence: Test Before You Build

Ignas’s rulebook starts with humility and hypotheses. Assume you know nothing. Then test everything before writing serious code. For Rizon, the team ran parallel funnels across messages like “best stablecoin neobank”, “cheaper FX”, and cross-border payments (e.g., US→Mexico/Philippines). Paid and organic traffic revealed which promises actually converted.

Early users were invited into a small community with perks and transparency. Many stayed, gave feedback, and shaped the product.

"The first ninety of the first hundred users are often your best partners. Treat them like insiders, not just signups”.

Knowing When to Stop (So You Can Build What Matters)

Not every venture survives. Ignas recounts shutting down projects that showed traction but no sustainable monetization without a token. The litmus test became brutally simple: Do we know how to monetize this - without doing the wrong thing? If not, stop early and redirect time, energy, and conviction. 

Co-Founders, Complementarity, and Emotional Resilience

For Ignas, the best teams counterbalance strengths: one founder drives speed and experimentation; another brings systems thinking and calm. Decisions can get heated, but the shared goal is “searching for truth”, not winning an argument. Complementary skills and the ability to carry each other through down cycles are what keep momentum real.

Small, Senior, Fast: Operating Philosophy

Rizon’s core team is intentionally lean - four co-founders plus a network of seniors and freelancers. The point isn’t headcount; it’s pace. Senior people ship faster, own outcomes, and minimize managerial overhead. Growth will come, but not at the expense of clarity.

What Makes Rizon Different: Stable Rails, Not an Exchange

Rizon is built on a conviction: stablecoins ≠ trading. Exchanges are optimized for speculation; Rizon is optimized for spending, saving, sending - and (soon) investing in tokenized assets.

The bigger bet is architectural. Legacy finance is siloed by region, licenses, and intermediaries. Rizon sees stablecoin rails as a global financial cloud: anyone with a smartphone plugs in, passes standard KYC/AML, and participates. That’s how they’re already live in 100+ countries while traditional players open market by market.

Security & Control: Non-Custodial by Design

Rizon prioritizes non-custodial architecture so users control their own keys and can export their wallet anytime. The stack pairs specialist partners - issuer, KYC, wallet provider - with the resilience of on-chain security.

“If you don’t like us tomorrow, you can take your keys and leave. That’s the point: your money, your control”.

Five years ago, this model would have been impractical. Today, modern infrastructure makes secure, user-controlled finance feasible at consumer scale.

Roadmap: Spend, Save, Send and Tokenized Investing

Right now Rizon focuses on the essentials: issue a virtual Visa, spend anywhere, sync contacts, send stablecoins like you’d split a bill. Next up: tokenized stocks, perps, and yield saving - a path to a full neobanking loop on stable rails. For freelancers in restricted markets, this can be transformative: earn, hold stable value, pay for global services, and invest - without waiting for a local branch.

Founder Advice: Start Now

Asked what to tell would-be founders, Ignas doesn’t hesitate:

“Just do it. Don’t overthink. Find a friend who covers your gaps, build the first version, and let the market shape the rest”.

Closing: Build Fast, Test Earlier, Own the Keys

Rizon’s story is a study in evidence-driven speed: test early, build what converts, keep users in control, and scale with the right partners. It isn’t about more crypto - it’s about better money rails: faster, cheaper, and open to the people who need them most.

“Build fast, but test earlier. Treat early users as partners. And give people real control over their money.”