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financial infrastructureInstitutional · Business · Developer · Personal

The financial rail for intelligent systems.

Settlement, custody, identity, and policy — composable across EVM, SVM, Canton, and card networks. Built for institutions moving tokenized assets, businesses settling in stablecoins, developers shipping agentic apps, and the people their software acts on behalf of.

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POST/intent
{
  amount: "0.20",
  asset:  "RIVR",
  to:     "agent://curator-7",
  chain:  "base"
}
awaiting agent
01 · Policypass · daily cap $500
02 · Routebase → base · direct
03 · SettleProgrammableTransfer
platform fee$0.500 bps on RIVR rail
15chains · EVM · SVM · Canton
$27Btokenized RWA · CCIP-routable
340msmedian settlement
$28Tstablecoin tx volume · Q1 2026

Thesis

Most payments already don’t involve people.

Stablecoin transaction volume reached $28 trillion in Q1 2026. Roughly three quarters of it is already machine-to-machine — agents settling with agents across x402, A2A, and direct on-chain rails. Fees priced for human commerce don’t clear at agent notionals. Rivier is engineered for the flow that’s already here.

01

$28T

Stablecoin tx volume · Q1 2026

02

~76%

Machine-to-machine flow

03

$0.20

Typical agent micropayment

04

0 bps

Platform fee on the RIVR rail

Dust · < $10

10 bps

No flat floor. Survive at agent notionals.

Retail · $10–$1k

$0.10 + 10 bps

Cheaper than every centralised exchange.

Whale · > $1k

10 bps · max $50

Institutional flow doesn’t route around us.

RIVR rail

0 bps · batched

Monetised on reserve yield + batch volume.

Institutions

Built for the tier-1 stack.

Coverage across every form of digital money — stablecoins, tokenized deposits, tokenized funds, and CBDCs — composed under one identity and policy layer. Permissionless where Rivier owns the rail; partner-gated where licensed banks and central-bank-licensed PSPs do.

Read the institutional brief
  • $27Btokenized RWA

    All four pillars of digital currency

    Stablecoins, tokenized deposits (JPMD, HSBC TDS, Citi, BNY, ANZ A$DC, DBS), tokenized funds (BUIDL, USYC, OUSG, syrupUSDC), and CBDCs (eCNY, eHKD, Digital Dirham, SandDollar). One dashboard. Same audit trail.

  • Swift× CCIP

    Wholesale corridors, integrated

    Swift × Chainlink CCIP (production since Nov 2025), Project mBridge (BIS, 5 central banks), Project Ensemble (HKMA), Project Agorá (BIS, 7 central banks). The corridor map an institutional treasury actually rides.

  • ERC-3643ONCHAINID

    Identity that travels

    ERC-3643 + ONCHAINID portable identity. KYC done once with a regulated VASP, attested on-chain, accepted by every protocol that reads the standard — instead of re-onboarding per platform.

  • IVMS 101v1.1.0

    Compliance at the policy layer

    Travel Rule + IVMS 101 preflight on every transfer. Per-jurisdiction thresholds enforced before a tx is signed. Sanctions screening, FATF high-risk list, mandate-bound agents — none of it bolted on.

Platform

Four addressable layers, one rail.

Same settlement fabric beneath every surface — from a tokenized treasury fund to a coffee paid for by an agent.

Businesses

Programmable money for operators.

Stablecoin settlement, tokenized loyalty, agent-led discovery, and on-chain campaigns — composed with the same identity and policy stack the institutional rail uses. Merchant of record, not ad inventory.

Onboard your businessTalk to us

Trusted

100% financial infrastructure

Compromises on

Zero privacy & transparency

  • AI-driven promotions

    Dynamic offers that adapt in real time to user intent and demand.

  • On-chain campaigns

    Transparent, verifiable campaigns with instant reward execution.

  • Memberships & access

    Programmable memberships — tiered benefits, dynamic eligibility.

  • Tokenized loyalty

    Rewards that are interoperable, instantly redeemable, and usable across services.

Developers · Build

What you can build.

Rivier Platform provides everything needed to build applications that can transact, settle, and operate autonomously.

  • Agents

    Financial infrastructure for agents

    Give every agent a wallet, a balance sheet, and the ability to transact — digital banking built for autonomous software.

  • Marketplaces

    Automated marketplaces

    Discovery, matching, and settlement in a single loop.

  • Billing

    Usage-based billing

    Meter by the millisecond. Settle continuously.

  • Workflows

    Financial automation

    Rule-based execution across chains and rails.

  • Machine commerce

    M2M commerce

    Machines transact with machines — at machine speed.

Capabilities

API-first architecture
Multi-chain + multi-VM
x402 micropayments
AP2 mandate envelopes
Policy + Travel Rule
Bridge + fiat ramps
Identity + DID
Settlement primitives

Personal · Connect

Your personal agent.

Understands your preferences. Discovers what matters. Negotiates with services on your behalf. Private, non-custodial, fully controlled by you.

agent
Discover
Compare
Negotiate
Custody
Route
Policy
Connect
Learn

Privacy-preserving

Signals stay on-device or in your vault — never aggregated for ads.

Non-custodial

MPC wallets across 15 chains — keys are sharded, not held.

You decide the boundary

Spending caps, permission scopes, and delegation rules are yours to set.

Rivier Unit

RIVR · $1.00

Testnet
R

Reserve-backed · USD

tip-20 · spl · canton

1 RIVR

$1.00

Native unit

RIVR — built for how money is used next.

A programmable, USD-denominated settlement unit designed for systems that operate in real time. Continuous transactions. Multi-party settlement. Automated financial workflows.

  • Reserve-backed

    USDC · USDT · T-Bills

  • Multi-VM

    EVM · SVM · Canton

  • Unified

    One ledger, every network

  • Future-ready

    Regional & CBDC-compatible

Pre-launch. RIVR is a settlement unit, not a speculative asset — never swapped, never recommended until mainnet.

Ecosystem

Interoperable with every network money moves on.

EthereumBaseArbitrumOptimismPolygonAvalancheSolanaSeiSuiXRPL EVMStellarTronBNBCantonPlumeEthereumBaseArbitrumOptimismPolygonAvalancheSolanaSeiSuiXRPL EVMStellarTronBNBCantonPlume
Chainlink CCIPCCTP V2deBridge DLNLI.FIWormhole NTTLayerZero V2x402AP2Stripe Tempo · MPPTravel Rule · IVMS 101ERC-3643 · ONCHAINIDCoinGeckoChainlink CCIPCCTP V2deBridge DLNLI.FIWormhole NTTLayerZero V2x402AP2Stripe Tempo · MPPTravel Rule · IVMS 101ERC-3643 · ONCHAINIDCoinGecko

One unified balance sheet across EVM, SVM, and Canton — plus direct integrations with the major bridging rails (CCIP, CCTP, DLN, LI.FI, Wormhole) and the new agent-payment protocols (x402, AP2, Tempo). Add a chain; nothing above the rail layer changes.

Get started

A simpler way to work with money.

Open the app, integrate the platform, or launch your business on Rivier.

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R

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