Layia Watkins (born June 11, 2004), known professionally as Lay Bankz, is an American singer, rapper, and songwriter.

[2][3] Her stage name is derived from her first name, Layia, shortened to Lay, Along with an acronym: "Billionaires Attract Natural Kinetix Zen".

[9] Her jersey club single "Ick" was released in September 2023 and also became popular on TikTok and on streaming services.

[10][11] She followed that success with the R&B, hip hop and synth-pop infused single "Tell Ur Girlfriend" in February 2024,[12] which became her first song to chart in the US and multiple other countries aided by a viral dance trend.

Angel identified her music as East Coast club and pop rap, writing that her voice had an "elegant, almost synthetic quality" to it and that her instrumentals were "busy".