# River Financial Bitcoin Interest on Cash: 3.30% APY

Canonical: https://dealaka.com/offers/river-financial-bitcoin-interest-on-cash-rate

- Status: Limited reports
- Bonus: 3.30% APY
- APY: 3.30% (ongoing APY, payable in bitcoin or USD)
- Requirement: No minimum stated; interest paid in bitcoin or USD
- Expires: no published end date
- Availability: Nationwide
- Institution: River
- Verified: Aug 3, 2026 against river.com
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Bitcoin Interest on Cash.
2. Complete the requirement: No minimum stated; interest paid in bitcoin or USD.

## 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

## Sources
- river.com rate page <https://river.com/> (checked Aug 3, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._