# River Financial

**Canonical:** https://apis.io/providers/river-financial/  
**Website:** https://river.com  
**APIs profiled:** 1

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.

## Kin Score — 31.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 30.7).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Banking & Open Finance**: 67.1 (matched via tags).

## Agent readiness — 11.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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)

- **River Financial MCP Server**

## Security (3)

- **River Financial Authentication** — oauth2/openIdConnect · 2 schemes
- **River Financial Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **River Financial Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Bitcoin Services, Cryptocurrency, Financial-Services, Banking, Authentication

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/river-financial/). Scores are computed from the provider's own public artifacts under a published rubric.