Rivo raises $3.1M to build self-driving money and end the inertia tax.

Keep your bank. Earn on every dollar.

Rivo puts the cash in your bank account to work, generating automatic earnings. No bank switching, no effort.

How Rivo works

Always on. Always earning money in the background.

Step 01:

Connect your bank securely

Link your checking account. Rivo analyzes your balance and learns spending patterns. Tell Rivo how much you always want in your account and it takes it from there.

Step 02:

Earning starts automatically

Your cash automatically moves into U.S. government-backed assets and back before you need it. You are always in control. Transfer your money back to your bank anytime, for any reason, right in the app. It may take 2-5 business days for funds to show up in your external connected account.

Step 03:

Rivo plans around your bills

Rivo keeps enough cash in your bank account for your day-to-day spending. As bills and transfers approach, it moves money back into your account.

Safety, Security & Control

Your money is safe. And secure. And protected.

Safe, government backed accounts

Your cash goes into U.S. Treasury Bills, protected by SIPC insurance. Just like banks.

Pay zero state and local taxes

Interest from US Treasuries is exempt from state and local income taxes, letting you keep more of your earnings, especially if you live in a high-tax area.

Always accessible

Funds stay liquid. Rivo moves money back into checking before bills or transfers hit, so it’s there when you need it.

Serious security

256-bit encryption, SOC 2 compliant infrastructure and bank-level security protocols protect every transaction.

Total control

Pause automations, move money yourself, or disconnect anytime. Rivo runs in the background; you’re still in charge.

Trusted team

Rivo was founded by a team of experienced AI and fintech builders who’ve spent decades building products for Fortune 100 in banking, automation and consumer trust.

Note: Rivo does not provide tax or investment advice. Talk to your advisor about your specific situation. Interest earned from Treasuries is generally exempt from state and local taxes, but any capital gains from sale of Treasuries prior to maturity is not exempt.

See what your idle cash could be earning

With Rivo your cash grows at 50x the national average, without changing your bank.

Enter what you usually keep in checking and we’ll show you:

• What that cash might earn in a typical checking account
• What it could earn over time with Rivo quietly putting your cash to work.

Average Checking Balance

Investment Timeline

Years to Grow:

20

Bank return: $

Bank Return: 0.07% Yield

Rivo return: $

Rivo Return: 3.70% Yield

*Return is estimated, varies, is not guaranteed and does not account for fees.

Bank rate is the FDIC national average for interest checking accounts, via FRED, St. Louis Fed (ICNDR series).

Who We’re For

Built for people with full lives, who want their cash earning without lifting a finger.

Rivo is for you if:

• You keep a healthy balance in the bank so nothing bounces
• You know your money should earn more without you doing extra work
• You’re juggling work, family, travel and a calendar that never quits

Testimonials:

I didn’t change anything about how I bank, but now I see extra money showing up every day.

It feels like having a money person in the background, without actually having one.

In the first month I made $157 compared to $11 last year at my bank.

Frequently Asked Questions

Do I have to switch banks to use Rivo?

No. Rivo works with your existing bank accounts. It connects securely through Plaid and automatically optimizes your cash without requiring you to switch banks, move direct deposits, or modify your bill pay setup.

How is this different from a High Yield Savings account?

High-yield savings accounts require you to manually transfer money in and out and remember to do it regularly. Rivo handles everything automatically. You get the yield without the work, and your money is always back in checking when you need it.

Is this ‘Investing’? Am I taking a market risk?

Yes, Rivo is a brokerage-based product. Your cash is automatically invested in short-duration U.S. Treasury Bills. While these are backed by the federal government and remain independent of equity market swings, they carry standard fixed-income risks. Fluctuations in interest rates may affect value if assets are liquidated before they mature.

Can I pause or stop Rivo’s automation?

Yes. You can pause, modify, or stop any automation at any time through the app settings.

Can I set a minimum balance for my checking account?

Yes. You can configure a minimum threshold for your checking account, ensuring that Rivo never moves more than you're comfortable with.