Embedded finance infrastructure
Build your financial operations on Rivox.
Programmable payments, connected accounts and intelligent risk infrastructure for digital businesses — through one technology layer.
Financial technology infrastructure · Built for Africa · Connected globally
The problem
Financial infrastructure shouldn't be fragmented.
Digital businesses increasingly depend on separate payment providers, financial institutions, risk systems and reconciliation tools. Rivox provides a unified technology layer that connects these systems through programmable infrastructure.
Before Rivox
- PSP A
- PSP B
- Bank
- Risk tool
- Payout tool
- Reconciliation
After Rivox
Platform
One technology layer for your financial operations.
Payments, Connect and Sentinel operate as one continuous system — supported by shared ledger, orchestration and reconciliation capabilities, not as separate tools you have to integrate with each other.
Rivox Payments
One integration. Multiple financial connections.
Connect your business to supported payment providers and financial institutions through a unified API.
Rivox orchestrates the technology layer while connected financial institutions execute the applicable financial and settlement functions.
POST /v1/payment-intents
{
"amount": 125000,
"currency": "MZN",
"reference": "ord_10482"
}{
"id": "pi_8Kd2Xa",
"status": "requires_confirmation",
"risk": { "score": 12, "decision": "allow" }
}Rivox Connect
Build platforms, not payment integrations.
Rivox Connect gives marketplaces, SaaS platforms and digital businesses the infrastructure to onboard connected businesses, define revenue splits and automate financial workflows.
Platform
Your product defines the commercial rules.
Connected accounts
Businesses are onboarded through configurable workflows.
Split rules
Allocation is defined programmatically per transaction.
Settlement
Executed by the applicable financial institutions and payment partners.
When a financial account is required, it is provided by the participating financial institution.
Rivox Sentinel
Risk intelligence built into the transaction layer.
Rivox Sentinel evaluates transactions, businesses, products and behavioral signals to identify risk before it becomes a larger operational problem.
Transaction intelligence
Amount, velocity, patterns, device, IP and geographic signals.
Business intelligence
Business profile, model, onboarding data and transaction patterns.
Content intelligence
Automated business and content analysis across pages and media.
- Connected account
- acct_83X29
- Action
- Restricted
Sentinel is built by Rivox as a proprietary risk intelligence layer. Decisions can result in allow, review, restrict or block, according to configured policies.
Granular control
Contain risk without shutting down the ecosystem.
When risk emerges, Rivox can apply controls at the appropriate level — transaction, product, connected account or platform — according to configured policies and applicable operational requirements.
- Seller Aacct_11A0214 / 100Active
- Seller Bacct_47B1022 / 100Active
- Seller Cacct_83X2991 / 100Restricted
- Seller Dacct_92K719 / 100Active
Controls applied to one connected account leave the rest of the ecosystem operating.
Transaction flow
From payment intent to settlement, in one observable path.
Follow each stage of the infrastructure and the signals evaluated along the way.
Risk evaluation
Sentinel scores the transaction, business and behavioral signals.
- Payment
- 1,250.00 USD
- Risk
- 12 / 100
- Status
- Approved
Illustrative representation of the infrastructure flow.
Ledger
Every movement is traceable.
Rivox records allocations across the platform, connected accounts, fees and reserves so financial operations remain auditable end to end.
- Connected account82.5%+ 82,500.00
- Platform12.0%+ 12,000.00
- Fees3.5%+ 3,500.00
- Reserve2.0%+ 2,000.00
Every movement is recorded as a traceable ledger entry.
Africa → Global
Built for Africa. Connected to the world.
Rivox is designed for markets where financial infrastructure is distributed across banks, payment providers and emerging digital rails. Our technology creates a unified integration layer between businesses and the financial institutions that power their transactions.
Financial institutions
Technology that works with financial institutions, not around them.
Rivox provides the software layer that helps digital businesses connect to financial institutions and payment infrastructure while regulated financial services remain with the applicable licensed partners.
Digital business
Integrates once through the Rivox API.
Rivox technology
Payments, Connect and Sentinel, with shared ledger and orchestration capabilities.
Financial institutions
Banks, PSPs and payment partners.
Regulated payment rails
Applicable financial functions and settlement.
Developers
Built for developers.
Integrate once. Build financial capabilities into your product without maintaining fragmented payment and financial infrastructure.
- API
- Webhooks
- SDKs
- Documentation
- Sandbox
- Logs
Enterprise
Infrastructure for serious scale.
Designed for businesses that need reliability, observability, configurable controls and a single integration layer across financial providers.
Build the next generation of financial products.
Connect your business to the infrastructure behind modern digital finance.