River Financial

River Financial Inc. (river.com) is a regulated U.S.-based Bitcoin brokerage and bank for long-term investors, operating under NMLS ID #1906809. Customers can buy, sell, send, and receive bitcoin, get paid in bitcoin via direct deposit, and earn interest on cash balances paid in bitcoin. River holds 100% of customer bitcoin in full-reserve multisig cold storage, publishes monthly third-party Proof of Reserves attestations, and provides FDIC insurance on cash up to $250,000 through partner bank Lead Bank. River exposes a GraphQL data API at https://river.com/api secured by an OAuth 2.0 authorization-code + PKCE flow with OpenID Connect discovery (balances, transactions, identity, and payment network read scopes). Surfaced as a polychain portfolio company and enriched from River's public well-known, OIDC, and security surfaces.

River Financial publishes 1 API on the APIs.io network. Tagged areas include Company, Bitcoin Services, Cryptocurrency, Financial-Services, and Banking.

River Financial’s developer surface includes support, signup flow, authentication, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub
31.8/100 thin ▬ flat Agent 11/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
AccessSelf serve
1 APIs 1 MCP Servers
CompanyBitcoin ServicesCryptocurrencyFinancial-ServicesBankingAuthentication

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 31.8/100 · thin
Contract Quality 0.0 / 21
Developer Ergonomics 2.8 / 17
Access Clarity 7.2 / 17
Operational Transparency 3.2 / 11
Contract Governance 1.9 / 10
Discoverability 7.4 / 9
Regulatory Posture 10.1 / 15
Agent readiness — 11/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 3 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/river-financial: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

River API

River's GraphQL data API secured with OAuth 2.0 authorization-code + PKCE and OpenID Connect. Read scopes cover account balances, transactions, identity, and payment networks.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

River Financial MCP Server

MCP SERVER

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

River Financial Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

River Financial Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

River Financial Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

River Financial Scopes

6 scopes · authorizationCode

6 scopes

SCOPES

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp
SignUp

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Conformance
Conformance
 Lifecycle
Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 7

Authentication, authorization, and security posture

Compliance
Compliance
 Security
Security
 SecurityTxt
SecurityTxt
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
DomainSecurity
 VulnerabilityDisclosure
VulnerabilityDisclosure

Scroll for all 7

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: river-financial
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/river-financial.png
name: River Financial
description: 'River Financial Inc. (river.com) is a regulated U.S.-based Bitcoin brokerage and bank for long-term investors,
  operating under NMLS ID #1906809. Customers can buy, sell, send, and receive bitcoin, get paid in bitcoin via direct deposit,
  and earn interest on cash balances paid in bitcoin. River holds 100% of customer bitcoin in full-reserve multisig cold storage,
  publishes monthly third-party Proof of Reserves attestations, and provides FDIC insurance on cash up to $250,000 through
  partner bank Lead Bank. River exposes a GraphQL data API at https://river.com/api secured by an OAuth 2.0 authorization-code
  + PKCE flow with OpenID Connect discovery (balances, transactions, identity, and payment network read scopes). Surfaced
  as a polychain portfolio company and enriched from River''s public well-known, OIDC, and security surfaces.'
url: https://raw.githubusercontent.com/api-evangelist/river-financial/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- polychain
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Bitcoin Services
- Cryptocurrency
- Financial-Services
- Banking
- Authentication
tags_raw:
- Company
- Bitcoin Services
- Cryptocurrency
- Financial Services
- Banking
- OAuth
- API
apis:
- name: River API
  description: River's GraphQL data API secured with OAuth 2.0 authorization-code + PKCE and OpenID Connect. Read scopes cover
    account balances, transactions, identity, and payment networks.
  humanURL: https://river.com
  baseURL: https://river.com/api
  properties:
  - type: Authentication
    url: authentication/river-financial-authentication.yml
  - type: OAuthScopes
    url: scopes/river-financial-scopes.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: MCPServer
  url: mcp/river-financial-mcp.yml
- type: Website
  url: https://river.com
- type: Support
  url: https://river.com/support
- type: SignUp
  url: https://river.com/signup
- type: TermsOfService
  url: https://river.com/legal/terms
- type: PrivacyPolicy
  url: https://river.com/legal/privacy
- type: GitHubOrganization
  url: https://github.com/riverfinancial
- type: StatusPage
  url: https://status.river.com
- type: Compliance
  url: https://river.com/security
- type: Security
  url: https://river.com/.well-known/security.txt
- type: SecurityTxt
  url: well-known/river-financial-security.txt
- type: WellKnown
  url: well-known/river-financial-well-known.yml
- type: Authentication
  url: authentication/river-financial-authentication.yml
- type: OAuthScopes
  url: scopes/river-financial-scopes.yml
- type: Conventions
  url: conventions/river-financial-conventions.yml
- type: Conformance
  url: conformance/river-financial-conformance.yml
- type: Lifecycle
  url: lifecycle/river-financial-lifecycle.yml
- type: DomainSecurity
  url: security/river-financial-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/river-financial-vulnerability-disclosure.yml
- type: LLMsTxt
  url: llms/river-financial-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 13
  pass: local-v1