We’re giving away $25,000!
Set up direct deposit for a chance to win. 5 winners will each receive $5,000 in bitcoin. Giveaway ends January 2, 2026.
Get started
Your paycheck,
Two ways to earn bitcoin
Auto‑invest your direct
deposits with zero fees
Choose how much you convert to
bitcoin with each paycheck.
Earn 3.5%¹ on cash,
paid in bitcoin
Cash is FDIC insured up to $250,000¹.
Get paid in bitcoin in minutes
Step 1
Set up direct deposit in
the River app
Step 2
Choose how much of each paycheck to auto-invest
Step 3
Get paid in bitcoin and earn interest on cash
Your paycheck should work as hard as you do
If you made $100,000 per year over the last three years, here’s how much it would have grown with direct deposit on River.
Chart is for informational purposes only. For more information see how this is calculated².
Invest in bitcoin with confidence
Next-level security for your peace of mind
Cold storage custody not built on third parties
FDIC insured cash up to $250,000¹
Service when you
need it
Support from a U.S.-based team you can call or email
Personalized service for your entire bitcoin journey
From paycheck to self-custody, automatically
Auto-invest each direct deposit in bitcoin and immediately auto-withdraw to self-custody.
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FAQ
There are zero fees to auto-invest in bitcoin on payroll deposits up to $30,000 per month. Regular fees apply to non-payroll direct deposits.
You can set up your direct deposit on River in just a few minutes. Set up your direct deposit from the app under settings and choose how much of your paycheck you’d like to auto-invest in bitcoin. Read our
step-by-step guide
on how to set up direct deposit.
When you set up direct deposit in the app, you choose how much of each paycheck you want sent to your River account. You can also choose how much of each paycheck is auto-invested in bitcoin. Any remaining cash earns Bitcoin Interest. You can update these settings anytime.
With direct deposit on River, every dollar of your paycheck is working for you. You can auto-invest any amount in bitcoin, while the rest earns Bitcoin Interest. All of it happens automatically—with zero fees.
Yes, your cash on River earns 3.5%¹, paid in bitcoin and is FDIC insured up to $250,000¹. Any amount not auto-investing in bitcoin will be deposited as cash.
Yes, you can receive your entire direct deposit as cash. Your cash on River earns 3.5%¹, paid in bitcoin and is FDIC insured up to $250,000¹. Any amount you do not auto-invest in bitcoin will be deposited as cash.
Yes, you can change how much of each paycheck is auto-invested in bitcoin at any time.
No, direct deposit is currently only available to River clients with Individual accounts.
Disclosures
-
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 3.5%, 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.
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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.