Banking with Bitcoin

3.3%1 interest on cash, paid in Bitcoin

Auto-convert your paycheck to bitcoin
Pay bills with cash or bitcoin
No account fees or minimums
FDIC insured cash up to $250,000¹
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Banking with Bitcoin hero

Invest, earn, and spend from one account

Buy bitcoin

Get paid in bitcoin with zero fees using direct deposit

Earn 3.3%¹ on your cash, paid in bitcoin

Pay bills using cash or bitcoin with zero fees

Banking that grows your wealth, not your bank’s

Direct deposit benefits chart
Sources: River.com, Chase.com, Wellsfargo.com, and Bankofamerica.com as of February 2026.

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 compared to the national average.

Interest earned comparison chart
Chart is for informational purposes only. For more information see how this is calculated².
The only account with Proof of Reserves for bitcoin and FDIC insured dollars
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FAQs

Yes, you can use River like a bank. With a River account, you can invest in bitcoin, earn 3.3%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.

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

  • Your cash earns 3.3% interest, paid in bitcoin or dollars¹
  • 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 0.01% interest and charge account fees.

River passes along the interest earned on your cash, instead of keeping it like most banks do. That's how we can offer 3.3%¹ on the cash you hold.
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 3.3%¹, paid in bitcoin.
Yes, cash on River is FDIC insured up to $250,000¹.

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 3.3%¹, paid in bitcoin.
  • Take custody of your bitcoin with auto-withdrawals.
Yes, you can change how much of each paycheck is auto-invested in bitcoin at any time.
Yes, direct deposit is available to eligible business accounts. Read our step-by-step guide on how to set up direct deposit.

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 3.3%, 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.