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3.8% interest
on cash.
Paid in Bitcoin.

3.8% interest on cash. Paid in Bitcoin.

✓ FDIC insured
✓ No hidden fees or minimums
✓ Withdraw your cash at anytime
Info Icon Interest Disclosures
Data is historical from August 8th, 2019 to October 7th, 2024. See how this table is calculated.1

How to earn Bitcoin on your cash

1. Deposit cash
Once enrolled, all your cash on River earns interest.
2. Earn Bitcoin
Accrued interest is converted to Bitcoin daily and paid out monthly.
3. Grow your wealth
Bitcoin's returns can give you more money for the things you care about.

Bitcoin Interest on Cash

Amplify your returns

Compare the historical returns of Bitcoin Interest on Cash vs the average national savings account.

Returns on national average interest rate (0.45%)

= $1,135

Returns on River's bitcoin interest rate (3.8%)

= 
$39,488
0.406 BTC

Calculator is for informational purposes only. For more information, see how this is calculated.2

A cash account that actually grows your wealth

Generate real returns
Traditional savings accounts can't keep up with inflation, but Bitcoin can.3
Ditch the dollar over time
Want to go all-in on Bitcoin but need to hold some cash? This is for you.
Elevate your Bitcoin strategy
Seamlessly fund target price orders and recurring buys with interest-earning cash.

We know where the yield interest comes from.

Earn with confidence on River, where security meets transparency

Secure funds, Bitcoin returns
River puts your cash to work in an interest-bearing account and converts your interest to Bitcoin daily.
Proven full reserve custody
All client Bitcoin at River is held in full reserve. No lending, no exceptions. Verify it yourself using our Proof of Reserves.
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$250,000 FDIC insurance
Your dollar deposits are insured up to $250,000 by the FDIC.4

Start earning Bitcoin on your cash today

Frequently Asked Questions

Now for the first time ever, you can earn Bitcoin with your cash. With River’s Bitcoin Interest on Cash account, your cash accrues interest at 3.8% 3, and that interest can be automatically converted into Bitcoin.
You can get started by signing up for a River account and depositing cash. Eligible clients will be notified once Bitcoin Interest on Cash has been enabled for their accounts.
Due to demand, Bitcoin Interest on Cash is being rolled out in phases to River clients. The sooner you sign up, the sooner you can start earning.

Once Bitcoin Interest on Cash has been enabled for your account, any cash deposited to River will start earning interest within two business days.
You can withdraw your settled cash at any time. Cash deposits typically take 7 days to settle, at which point they are available to withdraw. When you initiate your withdrawal, it will be reflected in your bank account within 2 business days.
No, there are no hidden fees for earning interest, holding cash nor holding Bitcoin at River.
Yes! With Bitcoin Interest on Cash, all cash you hold at River earns interest. This includes cash reserved for Target Price Orders and Zero-Fee Recurring Orders. We strongly believe in putting all of your cash to work to earn you more Bitcoin.
The Federal Deposit Insurance Corporation (FDIC), an independent agency created by congress, provides deposit insurance to protect your money in the event of a bank failure. The FDIC provides insurance of up to $250,000 for any deposit account opened at an FDIC insured bank and is backed by the US government.3
This is not a Bitcoin yield product. This is an interest-bearing account that can have your interest payments automatically converted to Bitcoin.

Disclosures

  1. The table is for illustrative purposes only. It compares estimated yields and annual earnings calculated from: the yield as of 10/07/2024 of a Bitcoin interest on cash offered in River, and the APY offered by other service providers as found on their websites (data correct as of 10/08/2024 for - Way2Save®, Chase Savings℠, and Bank of America Advantage Savings). Yields will fluctuate over time, and are not a forecast or guarantee of future earnings.

    The estimations assume certain and financial circumstances that do not apply to every individual. The figures presented are based on assumptions and may not apply to all individual circumstances. Actual earnings may be higher or lower, depending on numerous factors including the frequency of compounding, and variability of the yield.

    All investments involve risks. Nothing in this content should be construed as investment advice.

  2. The calculator 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 interest 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.

    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 deposit rate 0.46 reported by the Federal Deposit Insurance Corporation as of 10/8/2024 (Source: FDIC Website). As with the calculated Bitcoin returns, this number assumes the same Initial Deposit and holds the APY constant over the selected time period.

  3. Based on national average savings account rate and reported CPI inflation. Trading Bitcoin involves risk of loss.

  4. 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 3.8%, 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.