Trust
We provide the technology layer. Financial institutions provide the regulated financial services.
A clear operating model matters to businesses, platforms and institutions. This is how responsibility is structured across the Rivox infrastructure.
Operating model
Clarity across every layer of the infrastructure.
Technology and regulated services are separate
Rivox provides the technology layer. Financial institutions and payment partners provide the regulated financial services.
Funds are handled by financial partners
Financial funds are handled by the applicable financial institutions and payment providers.
Settlement follows the partner infrastructure
Settlement may be executed by connected financial institutions through applicable payment infrastructure.
Accounts are provided by participating institutions
Rivox enables connected-account workflows through participating financial institutions.
Risk controls are configurable
Controls can be applied at the transaction, product, connected-account or platform level according to configured policies.
Designed to operate alongside regulation
Rivox is designed to operate alongside regulated financial institutions and payment providers.
Security
Security as an operating requirement.
Access controls, encrypted transport, signed webhooks, auditable ledger entries and least-privilege service access are part of how the platform is engineered.