Rivo: Earn on your idle cash automatically. No bank switch.
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, earning on your idle cash automatically. 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, secure, and protected.
Government backed securities
Your cash goes into the U.S. Treasury Bills, which are fully backed by the U.S. government. They are also protected by SIPC insurance up to $500,000.
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.
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.
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.
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.