Frequently asked questions

Rivo is an AI-powered cash management platform for households that ensures optimal yield, liquidity, and automation of bill payments. It moves funds intelligently between checking, savings, and high-yield accounts while ensuring cash is available when needed.

Rivo uses AI-driven financial automation to monitor income, expenses, and idle cash in real time, reallocate idle money to high-yield accounts and liquidity pools, automate money movement back to bill payment accounts in time for credit cards, loans, and recurring expenses, and ensure instant access to funds when needed — avoiding liquidity gaps.

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.

Unlike budgeting apps that only track expenses, Rivo actively manages and moves money for you. Traditional banks offer low yields, while Rivo continuously finds the best returns while ensuring real-time bill payments.

Rivo was founded by Ambrish, who previously led autonomous systems at Cruise (launching the first commercial robotaxi) and built AI teams at Amazon. We're applying the same rigor that goes into self-driving cars to your personal finances.

Rivo is designed for any household looking to optimize cash reserves for higher yields, automate bill and loan payments, eliminate idle cash drag in low-interest accounts, and move money instantly across accounts with ease.

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

Simply download the Rivo app, securely connect your bank accounts via Plaid, and let Rivo analyze your finances to set up an automated cash optimization plan.

It takes just a few minutes to sign up and securely link your accounts. Rivo starts optimizing your money right away.

Rivo supports thousands of banks and credit unions across the U.S. through Plaid's secure integration.

Rivo works best for households with $25,000+ in their checking account, though there's no hard minimum. If you keep less, the earnings may not be significant enough to matter.

Once you connect your account, Rivo begins analyzing your cash flow. Most users see their first money movement within a few days. Earnings accumulate daily.

No. Your idle cash goes into short-term U.S. Treasury Bills, which are considered among the safest places to hold cash in the world. This isn't the stock market — there's no volatility risk. You're simply earning yield on government-backed securities.

Your extra cash is held in short-term US Treasuries through regulated partners. It is designed to be a safer parking place than leaving everything idle in checking.

Treasury bills are short-term debt obligations issued by the U.S. Treasury. T-bills are considered one of the safest investments available and serve as the benchmark for the 'risk-free' rate of return. They are also among the most highly liquid instruments in global financial markets, so there are minimal price impacts when bought or sold. For US investors, T-bill earnings may be exempt from state and local taxes.

No gimmicks — just smart financial optimization. Unlike traditional banks that keep most of the interest your money earns, Rivo passes back high yields to you by investing your money in 4-week treasury bills. We also operate with lower overhead — no costly branches or executive perks — allowing us to provide industry-leading rates. Our APY is dynamic, meaning it adjusts based on prevailing market conditions and Federal Reserve rate changes.

Rivo charges a flat monthly management fee of 5 basis points (0.05%), 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.

If you have a taxable event, you'll receive the appropriate tax documents. Documents will be accessible through the app.

Rivo detects upcoming credit card and loan payments, ensuring payments are made on time by moving funds automatically from the best-earning accounts while keeping liquidity intact.

Rivo is designed around buffers and early refills before bills clear. You set a floor balance so routine spending stays covered. Rivo only moves money it identifies as truly idle — cash you won't need for upcoming bills or spending. We always keep a buffer in your checking account, and you can adjust that buffer anytime.

If spending spikes, Rivo adapts by keeping a larger buffer and can pause sweeps. You will also see notifications so nothing surprises you.

Absolutely. You have control over thresholds, minimum balances, and how much Rivo is allowed to transfer based on your preferences.

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

Yes. Rivo's AI adapts to fluctuating income patterns and ensures that your financial needs are met before moving any money.

Rivo adjusts as patterns change and you can increase your buffer at any time. If things look uncertain, it becomes more conservative.

Rivo only moves funds based on the intelligent cash flow automation settings you configure. You have full control to enable, modify, or cancel the yield optimization and automation plan at any time.

Yes. We send an email at 5PM Pacific before moving money and you have until midnight to manually cancel it.

Yes. Rivo ensures liquidity by allowing users to transfer funds within 1 business day between accounts — bypassing traditional 3–5 business day settlement delays seen in most banks.

Rivo plans ahead of scheduled bills and refills early. For true emergencies, you can always pause and keep more in checking.

You can instantly withdraw your money anytime without penalties or delays from your high-yield account. Rivo ensures liquidity while optimizing your earnings.

Funds are invested with FDIC/SIPC regulated financial partners. Rivo acts as a fiduciary, ensuring transparent and ethical fund management. We do not store or have access to your banking credentials. We use 256-bit encryption, are SOC 2 compliant, and never share your data with third parties.

Funds held in Treasuries are backed by the full faith and credit of the U.S. government. Our banking partners are FDIC-insured, and our broker-dealer partners provide SIPC protection.

The goal is capital preservation and liquidity. The core strategy uses short-duration Treasuries, and you can pause or opt out anytime.

Money movement runs through regulated banks and broker-dealers. We will list our specific partners publicly as you onboard.

Rivo connects securely and uses limited permissions. You control linking and you can disconnect anytime.

Rivo connects to your bank accounts through Plaid, a secure financial data network used by major fintech apps. Plaid provides read-only access to your accounts and does not store or share your login details.

Rivo maintains a strict policy against the sale of customer personal information. We explicitly commit that we will not sell or share your name, address, phone number, email, or any other private information to third parties. Our fee-for-service pricing structure allows us to sustain our operations while ensuring your identity and personal information remain private and protected.

We build in conservative buffers and learn your patterns over time. But if something unexpected happens, you can pause automations instantly or disconnect entirely. You're always in control.

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

Yes. You can cancel at any time.

Your funds are returned to your linked bank account and any active automations are stopped. You retain full access to your account history.

Not at this time, but we may consider expanding into investment management in the future.

Rivo can optimize credit card and loan payments by ensuring funds are available at the right time, but it does not directly manage debt repayment strategies.

Yes. We are working on enabling instant bank-to-bank transfers to bypass traditional settlement delays and improve liquidity optimization.

You can reach out through the in-app support chat, email us at support@rivofi.com, or visit our website for more information.

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