Rivier, in one read.

Rivier provides the service layer that modern software needs to handle money — the equivalent of what payment platforms gave the web in the 2010s, rebuilt for an era where commerce includes autonomous agents, real-time settlement, and programmable identity.

The platform is composed of independent services behind a single auth surface. Each one solves a bounded problem: accepting payments, holding balances, proving identity, applying policy, settling transactions on-chain, or coordinating agents. Together they form a coherent rail that runs across major networks and integrates with the banking and card systems money already moves on.

• Real-time settlement

  Transactions clear in seconds across 15+ networks, not hours or days.

• Compliance built in

  Identity, sanctions screening, and travel-rule reporting at the rail level — not bolted on after.

• Agent-ready

  Software can transact within bounded mandates: spend caps, asset allowlists, and revocation.

• Interoperable

  Designed to work alongside existing venues, custody providers, and licensed partners.

Rivier serves four addressable layers, each with a dedicated surface area built on the same primitives.

Each service below is independently deployable and has a defined responsibility. They share a single auth surface and a single policy engine, so a request that flows from the API gateway to settlement carries the same identity and authorisation context end to end.

• API gateway

  Front-door HTTP gateway. Routes requests, enforces auth, applies metering, and bridges paid endpoints via HTTP-402 micropayments.

• Identity

  Multi-chain identity provisioning. Issues verifiable credentials about agents under a published, third-party-resolvable issuer key.

• Wallet

  Master and settlement wallets across 15 networks. Smart-account based, non-custodial, with passkey-bound device shares.

• Policy

  Compliance and authorisation engine. Spend caps, asset allowlists, sanctions screening, and travel-rule preflight.

• Transactions

  Intent → policy → routing → execution → settlement. Single pipeline for every money movement on the platform.

• Settlement

  On-chain settlement coordinator. Produces canonical receipts and reconciles cross-rail outcomes.

• Curator

  The intelligent assistant that talks to users. Routes questions, builds payment intents, and dispatches to specialist agents.

• Bridge

  Cross-chain router with Chainlink CCIP, Circle CCTP V2, deBridge DLN, LI.FI, Wormhole NTT, and LayerZero V2.

RIVR is Rivier’s native unit of account: 1 RIVR equals $1.00 USD, reserve-backed by cash and short-duration treasuries. Unlike stablecoins built for trading or one-off human payments, RIVR is designed from the ground up for autonomous agents, machine-to-machine commerce, programmable delegation, and AI-native financial coordination.

RIVR is currently pre-launchon testnet. It’s not an investment product and isn’t available to buy or trade. When it reaches mainnet, it will be issued as a Cross-Chain Token (CCT) over Chainlink’s rail, with burn-and-mint pools per chain, per-lane rate limits, and Proof-of-Reserve gating on issuance.

• Reserve-backed

  Held in cash and short-duration US treasuries.

• Real-time

  Settles in seconds, not days. Designed for high-frequency machine flows.

• Programmable

  Batched multi-party settlement via on-chain events for efficient micropayment flows.

• Interoperable

  Issued on Tenzro EVM, mirrored to Solana SPL and Canton, routed via canonical bridges.

An agent is software that acts on behalf of a person or business — placing orders, settling with partners, paying for API calls, managing a treasury. Rivier treats agents as first-class principals: each one has its own identity, its own wallet, and its own bounded authority.

Authority is granted through mandates: signed envelopes that describe what an agent is allowed to do — spend caps per transaction, total spend limits over a period, asset allowlists, time bounds, and revocation. Mandates are enforced at the policy layer before any signature is produced. An agent cannot exceed its mandate even if its supervising model is compromised.

This model is conformant with the open Agent Payments Protocol (AP2) and integrates with Mastercard’s Know-Your-Agent (KYA) registry via verifiable credentials issued under a published issuer key.

Rivier ships interoperability with the protocols the next wave of commerce is being built on. None of these are exotic: each is an open standard from a recognised body, supported by named partners.

The wallet service provisions accounts across 15+ networks at sign-up, and the bridge router moves value between them with no LP risk and no trust-the-validator handwaving. Major networks the platform reaches today:

Plus interoperability with Canton (via a validator partner) for tokenised securities and DvP settlement, and integration with bank-direct rails through licensed partners.

• Non-custodial wallet model

  User device holds the signing share; recovery is user-controlled. Rivier coordinates but never custodies.

• Identity & KYC

  Document, biometric, and liveness checks via licensed verifiers. Travel-rule reporting at notional thresholds.

• Sanctions & screening

  Address-level screening before every outbound transaction. FATF high-risk jurisdiction handling baked in.

• Licensed partners

  Where regulated custody, card issuance, fiat on/off-ramps, or money-movement licensing are required, Rivier works with Stripe, Bridge, and other regulated partners under their own authorisations.

• Live

  Web platform

  rivier.ai (this site), institutional dashboard, business dashboard, app, and admin platform — all running in production.

• Live

  Wallets & identity

  Multi-chain provisioning, KYC, and verifiable-credential issuance live for early-access users.

• Live

  Bridge router

  Chainlink CCIP, Circle CCTP V2, deBridge DLN, LI.FI, Wormhole NTT, LayerZero V2 — all wired.

• Live

  Agent payments

  HTTP-402 micropayments via the API gateway; AP2 mandate conformance shipped.

• Testnet

  RIVR

  Live on testnet under the CCT standard. Mainnet issuance behind multisig governance and Proof-of-Reserve.

• Early

  Mobile apps

  iOS and Android companion apps for KYC capture in development. Web is the primary surface.

• Early

  API reference

  Full reference docs ship alongside general availability. Until then: contact sales for early-access access.