1
They link their bank
They connect it in a few minutes. Their paycheck, cards and bill pay stay exactly where they are.
LinkedYour Minimum Bank Balance
Chase checking••4821Connected
$3,000.00Always stays in your bank accountStays put
Your clients' idle cash, put to workFor the cash that sits outside the portfolioIdle cash earns. Bills get paid. Your clients don’t lift a finger.Your advice, our execution.
Rivo works alongside your advice, helping clients put their idle cash to work while keeping their everyday banking and upcoming bills running as usual.
Now available inThe AppiMessageWhatsApp
Autopilot on
Your client sets it up once
Rivo takes it from there.
2
Idle cash moves into Treasury bills
Cash they don't need right now moves into U.S. Treasury bills. They get an alert before a planned transfer so they can cancel it.
Rivo6:02 pm
$5,000.00 moves to Rivo tonight
You have 6 hours to cancel.
RivoNext day
Done. $5,000.00 is in US Treasury bills
Your $3,000.00 Minimum Bank Balance stays in your bank account.
3
Bills come first
Rivo sees rent and bills coming and keeps enough in their bank account to cover them. If things look tight, it holds the transfer and tells them why.
Next 14 days
RentThursday$2,200.00
Card paymentOct 20$398.78
ElectricOct 22$96.40
PhoneOct 25$65.00
$2,760.18Stays in your bank accountCovered
4
They can just ask
Clients ask Rivo anything in the app, iMessage or WhatsApp. It answers from their real numbers, and makes changes only after they confirm.
Safety, Security & Control
Your clients' money is safe, secure, and protected.
Government backed securities
Your clients' 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 your clients keep more of their earnings, especially if they live in a high-tax area.
Always accessible
Funds stay liquid. Rivo moves money back into their bank account before bills or transfers hit, so it's there when they need it.
Serious security
256-bit encryption, SOC 2 compliant infrastructure and bank-level security protocols protect every transaction.
Total control
Your clients can pause automations, move money themselves, or disconnect anytime. Rivo runs in the background; they'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. 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.
What people say about Rivo
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.
*This testimonial is not indicative of future performance success and is an opinion of the person providing this testimonial. Each customer experience may be different and the testimonial presented here may not be indicative of the experience of other customers. Stock imagery. Testimonial based on real customer experience
Frequently Asked Questions
Rivo is a technology company, not a bank. Rivo invests idle cash sitting in your client's bank account in short-duration U.S. Treasury Bills through Jiko Bank and Jiko Securities. It can do this in an automated way through Rivo Autopilot, and bring funds back before client's bills hit. Your client can also choose to set thresholds for it to move through Rivo Copilot.
Both keep a minimum bank balance in your client's account and move the rest to Rivo to earn. The difference is whether money comes back on its own. Autopilot moves money both ways. Your client sets minimum bank balance, or use the one we recommend. Autopilot then watches upcoming bills and spending, moving extra cash out to earn and moving it back as client's account needs it. Client can also withdraw manually any time. Copilot only moves money out. Once a day we check client's connected account, and if there is more than $100 above minimum set by the client, we move the excess to Rivo to start earning. With Copilot, moving money back to bank is up to your clients. Either way, client will get an alert before a planned transfer so they can cancel it.
No. Rivo only moves money based on the permissions your clients have granted us. Once automation is on, they won't be asked to approve each individual transfer, but they'll get a notification before every transfer and they have six hours to cancel it. They're always in control - change their settings, pause, or disconnect anytime.
No. Rivo works with their existing bank accounts. It connects through Plaid and works without them switching banks, moving direct deposits, or changing their bill pay setup.
Yes, Rivo invests a client's money in a brokerage-based product. Cash is 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.
Rivo charges a flat monthly management fee of 5 basis points (0.05%), calculated on the average daily balance of your client's Rivo account. The fee is automatically deducted from their account each month. If the account's cash balance is insufficient, the system will automatically liquidate a sufficient amount of Treasury bills to cover the fee.
