Virtual Bank Accounts: Bridge Traditional and Crypto Payments
How riven bridges traditional banking and crypto, making it easy for your clients to pay you via bank transfer while you receive USDC.
One of the biggest barriers to getting paid in crypto is the onboarding problem. Your client doesn’t have a wallet. They don’t understand gas fees. They just want to pay you like they’ve always paid anyone else.
riven’s virtual bank accounts solve this. Here’s how they work.
The Problem We’re Solving
Imagine this conversation:
You: “Can you pay me in USDC?”
Client: “What’s USDC? How do I get it? What’s a wallet address? This looks like a scam.”
Sound familiar? Even willing clients get stuck at the technical hurdles. They need to create an account on an exchange, complete KYC, fund the account, figure out how to send crypto, and hope they’re sending to the right address.
Most give up. They wire transfer you instead. Days later. With fees.
Virtual Accounts: A Better Way
With riven’s virtual bank accounts, that conversation changes:
You: “Here’s my invoice. Pay to this bank account.”
Client: “Done.”
That’s it. They pay like they’ve always paid. Bank transfer, wire, ACH — whatever they’re used to. The complexity happens behind the scenes.
How It Works
1. You Create an Invoice
Open riven, enter the amount, add your client’s details, and send. Takes about 30 seconds.
2. A Virtual Account Is Generated
Each invoice (or your account) gets a dedicated virtual bank account. This is a real bank account number that your client can transfer to.
3. Your Client Pays Normally
They receive an invoice with bank details. They pay using their normal banking app. No crypto knowledge needed.
4. Payment Converts to USDC
When funds land in the virtual account, they’re automatically converted to USDC in your riven wallet.
5. Use Your Funds
Once in your wallet, you control your funds completely. Hold USDC, swap to another token, pay contractors, or cash out to any US bank via Same Day ACH.
Why This Matters
No Crypto Knowledge Required
Your clients don’t need to understand crypto to pay you in crypto. You get the benefits of blockchain payments without forcing complexity on everyone you work with.
Faster Than Traditional Rails
Once funds hit the virtual account, conversion and settlement happens quickly. Compare that to waiting for international wire transfers to clear through multiple banks.
Your Money, Your Way
The moment funds are in your wallet, you control them completely. Swap to another token. Send to another wallet. Cash out to your bank. Your choice.
The Complete Loop
riven’s payment loop looks like this:
- Create invoice — bank transfer and/or USDC options
- Client pays — bank transfer or USDC on-chain
- Settlement — bank payments automatically convert to USDC
- Use funds — hold, swap, pay out, or cash out via Same Day ACH
Bank payments settle as USDC. USDC can cash out to any US bank. The loop is complete.
Built on Strong Foundations
Virtual bank accounts are powered by Bridge — the same banking infrastructure used by leading fintech companies. Combined with Privy for secure embedded wallets and Jupiter Ultra for swaps, riven gives you a complete financial toolkit.
Ready to Try It?
Virtual bank accounts are live in beta. Join the waitlist to get early access and see how simple getting paid can be.
— team riven
team riven
Building the future of payments