River pays 3.30% APY on USD cash balances, and you can take the interest in bitcoin or in dollars. River is not a bank: the USD sits at Lead Bank, Member FDIC, insured to $250,000 including anything else you hold there. The rate is variable and bitcoin itself carries no deposit insurance.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the River Financial Bitcoin Interest on Cash rate
- Apply through the offer page to open the Bitcoin Interest on Cash.
- Complete the requirement: Hold settled cash in River account.
The fine print that matters
- River Financial Inc. is not a bank
- USD funds are deposited by Lead Bank, member FDIC
- FDIC insurance covers up to $250,000 inclusive of other deposits at Lead Bank in the same ownership capacity
- Bitcoin is not FDIC insured and may lose value
- Interest rate is subject to change
- Interest payouts may be received in bitcoin or USD
- Not available in all states
- Fees may apply
Verification and reports
Confirmed against river.com on Aug 20, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: river.com rate page (checked Aug 12, 2026)
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