Welcome to River

Capital infrastructure for the world's credit markets

Structured Credit x DeFi

DeFi has built the most advanced financial infrastructure in the world, but has yet to establish large lending relationships with the institutions that dominate traditional finance. Multi-billion dollar companies like Stripe, Uber, Ramp, and Robinhood are still using TradFi to manage working capital despite lengthy onboarding processes, T+3 settlements, and manual operations. Despite older infrastructure, banks, asset managers, and credit funds consistently earn stable risk-adjusted yield and win broader banking relationships with these businesses.

That yield is generated through structured credit; the $6.1T market that touches just about everything a consumer or business interacts with in the world today. The music we stream, flights we take, homes we live in, restaurants we dine at, and internet we use is financed through structured credit.

Meanwhile, companies like Sky, Tether, and Circle have grown exponentially in the last 5 years. More than $300B of stablecoin liquidity has accumulated, rivaling the largest asset managers and bank balance sheets in the world. While stablecoins are used for capital formation and lending right now, they have not tapped the largest companies that power the global financial system. What starts with lending can become much more. For decades, firms like JP Morgan and Citi have used structured credit and cash-management products to anchor relationships; earning stable, risk-adjusted yield while cross selling financial services.

Once enterprises are borrowing and lending on-chain, the transition to full-scale treasury management becomes inevitable. The same companies that source credit on DeFi rails will ultimately hold idle balances in stablecoins to offset borrowing costs, sweep liquidity across protocols, and settle payments globally in real time.

Liquidity is no longer the bottleneck, connection is.

---

River: The Rails for Decentralized Credit

River is the infrastructure that brings stable, scalable, and composable decentralized capital to neobanks, fintechs, and F500 institutions. River creates a seamless financing experience by providing distribution, underwriting, risk management to DeFI and operational excellence, flexibility, ongoing management, and cost savings to Borrowers.

River credit facilities are delivered to neobanks and fintechs through a model that combines cost savings and a more intuitive borrower experience. The platform abstracts the complexity of DeFi and packages it into a product borrowers are used to. River creates vaults enterprises can plug into, payment flows they can embed, and capital they can access real time.