Onboarding and Financing
A Modern Credit Infrastructure
River delivers a streamlined onboarding and financing experience by integrating modern infrastructure with established lending practices. This section outlines the operational workflow, from application to funding, and the mechanisms that enable efficient and transparent capital delivery.
Process Overview: From Application to Funding
River connects capital to borrowers through a clear, four-step process:
Application & Structuring Borrowers begin by submitting a credit application that includes business metrics and financing needs. The facility is structured in collaboration with the borrower to reflect their specific operational requirements.
Independent Underwriting All borrowers are underwritten by methodologies developed by banks and rating agencies that have been validated over cycles and provide structure enhancements with measured risk adjusted returns.
Funding Mechanism When a facility is setup:
The smart contract triggers the protocol.
Stablecoins are allocated from DeFi capital reserves.
Stablecoins are converted to fiat currency.
Fiat is disbursed directly to the borrower’s bank account. The entire process is automated, reducing funding times from days to minutes.
Facility Management & Repayment Borrowers manage credit lines through a web interface. Draws and repayments are handled in USD through standard banking rails (e.g., ACH transfers). Payments are automatically processed, with all activity recorded in real time on-chain.
Platform Capabilities
No Crypto Exposure All borrower-facing interactions occur in fiat currency. Blockchain functions are abstracted by the platform, eliminating the need for technical knowledge or crypto asset management.
Real-Time Transparency Facility activity is recorded on an immutable ledger. Balances, accruals, and transactions are updated continuously, providing stakeholders with live visibility.
Flexible, Scalable Credit Facilities are designed to adapt to changing borrower needs. Credit lines can expand or contract in response to growth, seasonal patterns, or operational changes—without requiring complex renegotiation.
Frequently Asked Questions
How does market volatility affect the facility? It does not. Credit terms are fixed in USD, and borrowers are insulated from digital asset price fluctuations.
What compliance standards are in place? The platform adheres to applicable regulatory requirements. KYC/AML procedures are conducted for all participants, and legal frameworks align with institutional norms.
Is customer support available? Dedicated third-party support is provided to borrowers and lenders to ensure operational continuity and responsiveness.
Can the platform integrate with existing financial systems? Yes. An API suite enables compatibility with commonly used financial and operational tools.
Interface & Experience
The interface mirrors traditional financial outputs (borrowing base and servicer reports) while operating on decentralized infrastructure. The result is a credit facility that offers speed, traceability, and integration without introducing new operational complexity or manual processes.
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