1
Link your bank
Connect it securely in a few minutes. Your 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
Ask your money anythingYour money has a phone number nowMeet your money’s new best friendGot money questions? Just text Rivo.
Rivo knows your balances and your bills, so it can tell you what’s free to spend, set cash aside for what matters, and put your idle cash to work automatically.
Now available inThe appiMessageWhatsApp
Autopilot on
See Rivo in action
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0:24Available on iMessage and WhatsApp
It’s like texting a money bff who actually knows your numbers. Tap a question to try.
RivoiMessageSet it up once
Rivo takes it from there.
2
Earning starts
Cash you don’t need right now moves into US Treasury bills. You get a heads-up before every transfer, and 6 hours to cancel.
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 your bank account to cover them. If things look tight, it holds the transfer and tells you 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
Chat with your money
Ask Rivo anything in the app, iMessage or WhatsApp. It answers from your real numbers, and makes changes when you ask.
can I cover rent and the trip?Yes. Rent is already planned for. After $2,400 for Lisbon you’d still have $6,652.19 free.hold $2,400 for lisbon
SET-ASIDENeeds your OK
$2,400.00for LisbonConfirm $2,400.00 set-asideEditNot now
Safety, Security & Control
Your money is safe. And 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.
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.
Thousands already on 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
Ask about your money the way you’d text a friend: where you stand, what’s free to spend, which bills are coming, or why money moved. Rivo can also make changes for you, like setting cash aside, adding a bill or moving money back to your bank account. You review and confirm each change before it happens.
In the app, on iMessage and on WhatsApp. Connect iMessage or WhatsApp from the app by scanning a QR code.
Rivo only moves money based on the permissions you set. On Autopilot, you get a heads-up before every transfer, with time to cancel. Changes you ask for in chat happen only after you confirm them. You can pause or change your settings anytime.
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.
Yes, Rivo invests your money in 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.
No, chatting with Rivo is free for all users. Rivo charges a flat monthly management fee of 0.05% (5 basis points), calculated on the average daily balance of your Rivo account. The fee is automatically deducted from your 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.
