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 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
36.1/100 thin ▬ flat Agent 16/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs
CompanyBitcoin ServicesCryptocurrencyFinancial ServicesBankingOAuthAPI

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 36.1/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 4.1 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 16/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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 4 / 4
Consent & Bot Identity 3 / 3
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.

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 2

MCP servers, agent skills, and machine-readable catalogs

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: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- 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: 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