Training Example: River Financial Inc. – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[IMG: River iPhone app showing a bitcoin balance with Send, Receive, and Sell actions and a live bitcoin price chart]

4.9 ★ on the App Store

[H1]
Invest in bitcoin with confidence
Build wealth with bitcoin, in one secure platform.

Download the app

Zero-fee recurring buys

3.30%¹ on cash, paid in bitcoin

Banking with bitcoin

Proof of Reserves

[IMG: Bitcoin coin floating above a sunlit mountain landscape]

Invest

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Level up your future with bitcoin
Buy bitcoin instantly, zero-fee recurring buys, directly from your paycheck.

Learn more

[IMG: Bitcoin coin floating above a sunlit mountain landscape]

[IMG: River banking dashboard with cash balance earning bitcoin interest]

Banking with Bitcoin

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Earn 3.30%¹ on cash. Paid in bitcoin.
Replace your checking and savings accounts. Get paid in bitcoin for your day-to-day banking. All from your River account with zero fees.

Start banking

[IMG: River banking dashboard with cash balance earning bitcoin interest]

[IMG: Vault door illustrating FDIC-insured cash and full-reserve bitcoin custody]

Built for the long term

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FDIC insured cash and bitcoin proof of reserves
Protection for your cash. Proven full-reserve custody for your bitcoin. A dedication to security and transparency you won't find anywhere else.

Learn more

[IMG: Vault door illustrating FDIC-insured cash and full-reserve bitcoin custody]

[IMG: River client services team member ready to assist on a call]

Client service

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Service you can count on
Our U.S.-based team is committed to delivering exceptional support every step of the way.

Learn more

[IMG: River client services team member ready to assist on a call]

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Start investing on River today

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Disclosures

1.
River Financial Inc. ("River") is not a bank. USD funds are deposited by Lead Bank, Member FDIC. Your USD is FDIC insured up to $250,000, inclusive of any deposits that you already hold at Lead Bank in the same ownership capacity. FDIC Insurance may protect against a failure by Lead Bank, but does not protect against River's failure, nor does it protect against theft or fraud. Bitcoin is not insured by the FDIC, and may lose value. Interest may be earned on cash that has settled at Lead Bank. The current interest rate is 3.30%, and is subject to change. You may choose to receive interest payouts in Bitcoin or in USD. Lead is not affiliated with River's Bitcoin program, products, or offerings. Not available in all states. Fees may apply. Please review the Terms of Service for eligibility restrictions and additional details.

[IMG: River banking dashboard on iPhone showing balances and bitcoin earnings]

BANKING WITH BITCOIN

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Earn 3.30%¹ in bitcoin for your day-to-day banking
Ditch your bank. Earn bitcoin interest on cash, invest your paycheck in bitcoin with zero fees, and spend dollars or bitcoin. All from one account.

Start banking

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Invest, earn, and spend from one account

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Receive your paycheck in bitcoin
Get paid in bitcoin with zero fees up to two days early using direct deposit.

Download App

[IMG: Direct deposit screen showing 25% of paycheck auto-invested in bitcoin]

[H3] Earn 3.30%¹ on cash, paid in bitcoin

[IMG: River app showing recurring interest paid out in bitcoin]

Your cash is accessible and FDIC insured up to $250,000¹.

[H3] Pay your bills

[IMG: River app bill payments list showing rent, a credit card payment, and a Spotify subscription]

Pay bills using cash or bitcoin with zero fees.

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Banking that grows your wealth, not your bank's

Sources: River.com, Chase.com, Wellsfargo.com, and
Bankofamerica.com
as of February 2026.

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Your money should work as hard as you
If you held $100,000 in a bank account over the last three years, here's how much more interest you would have earned on River.

Learn more

Chart is for informational purposes only. For more information see how this is calculated.²

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The only account with Bitcoin Proof of Reserves and FDIC insured dollars

Sign up

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Need a little more help?

Can I use River for day-to-day banking?

Yes, you can use River like a bank. With a River account, you can invest in bitcoin, earn 3.30%¹ on cash, receive your paycheck, pay bills, and move money. However, River doesn't currently offer other banking services like debit or credit cards and checks.

What makes River better than my bank?

Most banks make money by using your deposits and keeping the returns. On River, you get those returns.

Your cash earns 3.30%¹ interest, paid in bitcoin or dollars
You can invest directly in bitcoin and get paid in bitcoin with direct deposit
No account fees, lockups, or minimums
Your cash is FDIC insured up to $250,000¹
You can still pay rent, credit cards, and everyday bills as usual
By comparison, most banks pay around 0.10% interest and charge account fees.

How can River pay interest rates up to 8× higher than most banks?

River passes along the interest earned on your cash, instead of keeping it like most banks do. That's how we can offer 3.30%¹ on the cash you hold.

What are the advantages of direct deposit on River?

With direct deposit on River, you have two ways to auto-invest your paycheck into bitcoin. You can choose how much of each paycheck is auto-invested directly in bitcoin and how much stays in cash earning 3.30%¹, paid in bitcoin.

Is my cash FDIC-insured?

Yes, cash on River is FDIC insured up to $250,000¹.

Can I live on a bitcoin standard with River?

Yes, River makes it easy to live on a bitcoin standard.
Auto-invest your entire paycheck in bitcoin with zero fees using direct deposit.
Pay your bills with bitcoin.
Any cash you do hold will earn 3.30%¹, paid in bitcoin.
Take custody of your bitcoin with auto-withdrawals.

Disclosures

1.
River Financial Inc. ("River") is not a bank. USD funds are deposited by Lead Bank, Member FDIC. Your USD is FDIC insured up to $250,000, inclusive of any deposits that you already hold at Lead Bank in the same ownership capacity. FDIC Insurance may protect against a failure by Lead Bank, but does not protect against River's failure, nor does it protect against theft or fraud. Bitcoin is not insured by the FDIC, and may lose value. Interest may be earned on cash that has settled at Lead Bank. The current interest rate is 3.30%, and is subject to change. You may choose to receive interest payouts in Bitcoin or in USD. Lead is not affiliated with River's Bitcoin program, products, or offerings. Not available in all states. Fees may apply. Please review the Terms of Service for eligibility restrictions and additional details.

2.

The chart considers the following inputs over a given time period:

Initial Deposit (ID): The amount of cash (USD) that earns interest.

Interest Rate (R): The displayed rate offered by River.
Bitcoin Price (P): The daily price of bitcoin.
Accrued Bitcoin (B):
The amount of bitcoin that has been accrued earlier in the time period.

The calculator assumes that over the selected time period, the Initial Deposit and Interest Rate are held constant. Rates are subject to change. Interest returns are calculated on a daily basis. Returns each day represent the sum of two components:

The daily bitcoin earned from interest on the Initial Deposit: ID × (1 + (R / 365)) / P, and
The accrued value of all previous daily bitcoin earnings: B × P

"Returns with the national average" is calculated using the most recent national checking account interest rate 0.07% reported by the Federal Reserve Bank of St. Louis as of 10/20/2025 (Source: FRED Website). As with the calculated Bitcoin returns, this number assumes the same Initial Deposit and holds the APY constant over the selected time period.

Bitcoin investment is assuming you are paid on a bi-weekly basis, and the selected allocation of bitcoin is auto-invested on that day. Bitcoin's price performance is based on historical data from October 1, 2022 to October 1, 2025.

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3.30%¹ interest on cash. Paid in bitcoin.
FDIC Insured dollars · No hidden fees or minimums · Withdraw your cash at anytime

Start earning

[IMG: Interest comparison table]

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How to earn bitcoin on your cash

[H3] Add cash

[IMG: River app cash balance of $21,000.55 earning 3.30% interest in bitcoin]

Deposit cash and start earning bitcoin automatically.

[H3] Earn interest in bitcoin daily

[IMG: River app showing daily interest paid out in bitcoin]

Accrued interest is converted to bitcoin daily and paid out monthly.

[H3] Grow your wealth

[IMG: Rising bar chart illustrating bitcoin wealth growing over time]

Beat inflation and build lasting wealth with bitcoin.

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Amplify your returns
Earn 3.30%¹ interest on cash, paid in bitcoin

Initial deposit

Period

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$1,135.17
Returns on national average rate (0.45%)

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$12,495.10
Returns on River's bitcoin interest rate (3.30%)

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Save cash, earn bitcoin.

Start earning

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Frequently asked questions

What is Bitcoin Interest on Cash?

Now for the first time ever, you can earn bitcoin with your cash. With River’s Bitcoin Interest on Cash account, your cash accrues interest at 3.30%¹, and that interest can be automatically converted into bitcoin.

When can I withdraw my cash?

You can withdraw your settled cash at any time. Cash deposits typically take 7 days to settle, at which point they are available to withdraw. When you initiate your withdrawal, it will be reflected in your bank account within 2 business days.

Is there a fee for earning Bitcoin Interest on cash?

No, there are no hidden fees for earning interest, holding cash nor holding Bitcoin at River.

I have cash reserved for a Target Price Order. Does this cash earn Bitcoin Interest too?

Yes! With Bitcoin Interest on Cash, all cash you hold at River earns interest. This includes cash reserved for Target Price Orders and Zero-Fee Recurring Orders. We strongly believe in putting all of your cash to work to earn you more Bitcoin.

What is FDIC Insurance?

The Federal Deposit Insurance Corporation (FDIC), an independent agency created by congress, provides deposit insurance to protect your money in the event of a bank failure. The FDIC provides insurance of up to $250,000 for any deposit account opened at an FDIC insured bank and is backed by the US government.

How does FDIC Insurance work?

Your funds held through River with Lead Bank are eligible for "pass-through" FDIC insurance. Certain conditions must be satisfied in order for pass-through insurance to apply, as set forth here. Your funds are held in an account at Lead Bank that is established "for the benefit of" ("FBO") River's clients. River acts as your agent on this account, but funds are owned by you. In the event of a Lead Bank failure, River would work with the FDIC to recover funds owed to River's clients.

How is this different from a Bitcoin yield product?

This isn't a bitcoin yield product. Bitcoin yield products typically generate returns by lending out or otherwise using your bitcoin.

On River, your bitcoin isn't used to generate yield. Instead, your cash is held in an account at Lead Bank, where it earns interest. That interest is then converted into bitcoin daily, allowing you to earn bitcoin without putting your bitcoin at risk.

Disclosures

1.
River Financial Inc. ("River") is not a bank. USD funds are deposited by Lead Bank, Member FDIC. Your USD is FDIC insured up to $250,000, inclusive of any deposits that you already hold at Lead Bank in the same ownership capacity. FDIC Insurance may protect against a failure by Lead Bank, but does not protect against River's failure, nor does it protect against theft or fraud. Bitcoin is not insured by the FDIC, and may lose value. Interest may be earned on cash that has settled at Lead Bank. The current interest rate is 3.30%, and is subject to change. You may choose to receive interest payouts in Bitcoin or in USD. Lead is not affiliated with River's Bitcoin program, products, or offerings. Not available in all states. Fees may apply. Please review the Terms of Service for eligibility restrictions and additional details.