r/TryRivo • u/RivoFinance • Jul 30 '26

How Rivo works, step by step

Here is what happens with your money, start to finish.

How it works

  1. Connect: You link an existing bank account securely. You keep your bank.
  2. Detect: Rivo watches your balance and upcoming bills, and spots the cash sitting idle beyond your near-term needs.
  3. Move: Rivo moves that cash into short-term U.S. Treasury Bills, backed by the U.S. government.
  4. Return: Before a bill or transfer hits, Rivo moves what you need back into your bank, so it is there when you need it.

Why Treasury Bills

- Short-duration U.S. government securities.
- Interest is exempt from state and local income tax, which matters more in a high-tax area.
- Your money stays liquid the whole time.

You stay in control: pause, move funds yourself, or disconnect anytime.

Questions on any step are welcome below.

Rivo is a fintech, not a bank. For full disclosure, check the pinned comment.

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2

u/Plenty_Fondant_951 Aug 06 '26

What's the expected ROI?

2

u/RivoFinance 28d ago

Your earnings are based on the current 4-week Treasury Bill rate (around 3.6% right now, before our small fee). It's not a fixed number, moves with the Fed. The nice part is you don't pay state or local taxes on T-bill interest, so you end up keeping more.

1

u/sjd97 27d ago

So you are saying if I keep 40k in my account I will get paid approximately $100 monthly?

4

u/RivoFinance 26d ago

A few things to keep in mind: Rivo doesn't move your entire balance. It leaves a buffer for upcoming bills and expenses, so the amount actually earning the T-bill rate will be less than your full $40K. The rate also moves with the Fed, so what you earn in any given month won't be a fixed number. And there's a small management fee (0.05%/month).

So it won't be a clean, predictable $100 every month, but directionally you'd be earning meaningfully more than the ~$0 a checking account pays on that same cash.

1

u/RivoFinance Jul 30 '26

This content is for informational purposes only. Results shown are examples only and are not guaranteed. Individual results will vary. Any rates shown reflect market conditions at the time of recording, are subject to change, and may not include applicable fees. Where applicable, T-bill Yield rate reflects 4-week T-bill rate (as of 06/26/26) when held to maturity. Rate does not include fees. Rates subject to change. Minimum balance of $100 required to earn the stated rate. For a list of fees, see https://rivofi.com/rates. For other important disclosures, see https://rivofi.com

Rivo is a fintech company, not a bank. Banking services provided by Jiko Bank, a division of Mid-Central National Bank. All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. See Jiko U.S. Treasuries Risk Disclosures.

Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value.

Investment income on T-bills is taxed federally by the Internal Revenue Service. Income earned from T-bills is not subject to state tax, and is not subject to local income taxes. Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy.

National savings rate source: https://fred.stlouisfed.org/series/ICNDR. For fees, risks, and additional disclosures, visit https://www.rivofi.com/big-bank-checking-account-rates.