Building the Bridge Between Traditional Finance and the New Finance

With RIV Digital, you can easily convert fiat currencies into cryptocurrencies and vice versa (on-ramp and off-ramp) through a service integrated into the non-custodial wallet developed by RIV Technologies. Users can purchase stablecoins with euros or dollars and convert their cryptocurrencies back into fiat currency with direct deposit to their bank account. Cryptocurrencies remain fully available to the user within their non-custodial wallet at all times: RIV Digital does not provide custody services. Simple and secure transactions are carried out via the RIV Wallet app. The cost of each conversion is determined according to the pricing methodology published by RIV Digital (see the Transparency – Prices, Costs and Commissions section). Transaction processing is ensured by the RIV HWOP infrastructure, located in the EU, which exclusively handles conversion processing for the time strictly necessary to complete them, without ever assuming custody of users’ assets.

RIV Digital acts as a technical and organizational intermediary for public access to crypto-asset offerings compliant with the MiCAR Regulation. It does not provide personalized advice or make recommendations: the initiative is always the client’s own. Offers are made available exclusively through proprietary channels reserved for registered clients—the RIV Wallet app, proprietary web platform, opt-in newsletter, and official social media channels. Telegram, WhatsApp, and RIV Academy do not constitute promotional or placement channels and are intended solely for community, updates, education, and non-transactional support. Each opportunity is accompanied by a white paper and information document; prior to placement, RIV Digital verifies the issuer’s identity and signs a framework agreement defining the scope, duration, and promotional methods. Subscriptions are made via smart contracts or direct links, in compliance with European regulations, subject to KYC/AML verification, for retail and institutional clients. RIV Digital does not guarantee returns and retains data and materials in a secure and auditable format for at least five years.

RIV Digital does not limit itself to providing technical tools but supports its users with a dedicated digital education and support service. Through the RIV Academy platform, informational materials, and direct channels such as Telegram and WhatsApp, investors have access to clear, transparent, and always up-to-date content. These channels are intended exclusively for informational, educational, and non-transactional support purposes and do not constitute offering or placement channels for crypto-assets. Each initiative is designed to make the mechanisms of crypto-assets understandable and facilitate informed decisions, without ever becoming personalized advice. The goal is to build a complete experience where ease of use and training combine to accompany retail and institutional clients on their journey into the digital world, always with maximum attention to regulatory compliance and security.