{"slug":"river-financial-bitcoin-interest-on-cash-rate","category":"bank","institutionSlug":"river-financial","product":"Bitcoin Interest on Cash","title":"River Financial Bitcoin Interest on Cash: 3.30% APY","bonus":"3.30% APY","unit":"cash","amount":0,"reqShort":"No minimum stated; interest paid in bitcoin or USD","expiresOn":null,"status":"live","verifiedOn":"2026-08-03","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Interest may be paid in bitcoin or USD at customer choice","applyDomain":"river.com","applyUrl":"https://river.com/","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":330,"apyTerm":"ongoing APY, payable in bitcoin or USD","listedOn":"2026-08-03","listedAt":"2026-08-03T13:10:44.391Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"river.com rate page","url":"https://river.com/","checkedOn":"2026-08-03"}],"needsVerification":false}