FAQ
Frequently Asked Questions
General
What is River? River is a financial technology platform that provides institutional-grade credit facilities to fintech companies. The platform connects partners to the efficiency and liquidity of decentralized capital markets, delivering a financing experience that is faster, more transparent, and more scalable than traditional models.
How is River different from a bank? Our model leverages technology to improve upon traditional lending. The platform sources capital from decentralized liquidity, which allows us to offer highly competitive rates. Our automated, technology-driven processes reduce approval times from months to weeks and provide real-time transparency into facility performance, a level of insight not available in traditional finance.
Who is eligible to partner with River? The platform primarily serves established fintech companies with a proven operational history and a clear need for growth capital. This includes neobanks, specialty finance companies, BNPL providers, and other digital lenders.
For Fintech Partners
Is knowledge of cryptocurrency required? No. Our platform is designed to be entirely fiat-native for our partners. You apply for, receive, and repay funds in US dollars. The platform manages all the underlying blockchain complexity, so there is no crypto exposure or technical overhead for your team.
How long does the funding process take? Our streamlined process is significantly faster than traditional channels. A typical timeline from application to initial funding is approximately two weeks, though this can vary based on the complexity of the facility.
How are credit facilities structured? Flexible credit lines, typically ranging from 5 million to over 500 million, are offered. These facilities are designed to scale with your business. The platform provides clear, transparent pricing and terms upfront.
What are the collateral requirements? Facilities are structured based on the specific credit profile of the partner. They can be backed by business cash flows or secured by specific assets, such as loan receivables.
For Investors
What kind of opportunities does River offer? The platform provides access to a unique asset class: structured credit for the fintech industry. Opportunities are available for institutional and accredited investors to gain exposure to this market through vehicles that offer attractive, risk-adjusted returns. For specific offerings, please contact our investor relations team.
How is investor capital protected? A multi-layered risk management framework is employed. This includes underwriting, a first-loss capital structure to protect senior investors, portfolio diversification, and robust smart contract safeguards with real-time monitoring.
Technology and Security
What technology does the platform use? The platform is built on the Ethereum blockchain and leverages the on-chain ecosystems for liquidity. Our partners, however, interact with us through a simple web interface or API, with no direct contact with the underlying blockchain.
How is the platform secured? Security is paramount. Our smart contracts are independently audited by multiple leading security firms. A bank-grade infrastructure, comprehensive insurance coverage, and a 24/7 monitoring and incident response plan are maintained.
Are my funds exposed to crypto market volatility? No. All credit facilities are denominated and serviced in US dollars. Your obligations and balances are completely insulated from cryptocurrency market fluctuations.
Compliance and Regulation
What is the compliance framework? The platform operates under a comprehensive compliance program that adheres to global regulatory standards. Full KYC/AML is conducted on all counterparties and systems and controls have been implemented to meet legal obligations across all jurisdictions in which the platform operates.
Where can I find more detailed information?
For further details, please explore the following sections:
Overview: A summary River.
How It Works: A detailed explanation of the onboarding, underwriting, and funding process.
For Borrowers: Information tailored to partners and how they access credit facilities.
For Investors: Insights into investment opportunities and capital protection.
Risk Management: Comprehensive details on the platform’s multi-layered risk framework.
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