Riva Money Secures $3M to Revolutionize Cross-Border B2B Payments

Aug 21, 2025

Riva Money, a London-based fintech startup founded by former Revolut and Wise executives, has raised $3 million in a pre-seed funding round led by Berlin-based Project A. The round also saw participation from angel investors with backgrounds in fintech giants like Revolut, Monzo, and JPMorgan.

  • Funding will accelerate the development of Riva's dual-rail payment system.

  • Dual-rail combines blockchain technology with traditional banking infrastructure to streamline international B2B transactions.

Market Context and Opportunity
The global cross-border payments market is experiencing rapid growth, and the total market capitalization of stablecoins, a key component of Riva's solution, is projected to exceed $230 billion by 2025.

  • Stablecoins offer faster, lower-cost international transactions.

  • Businesses increasingly rely on digital assets for cross-border operations.

How the Dual-Rail System Works
Riva's dual-rail system intelligently routes payments through blockchain-based rails or traditional fiat networks depending on which offers the greatest efficiency and cost-effectiveness.

  • Reduces transaction fees and settlement times.

  • Provides businesses with flexibility for complex international transactions.

Use of Funds and Expansion Plans
The $3 million funding will be used to expand Riva's engineering team and advance licensing efforts ahead of global expansion.

  • Seeking payment institution authorization in the UK and EU.

  • Planning MiCA license in the EU and VASP license in Switzerland.

Industry Impact and Vision
As stablecoin adoption accelerates and global regulatory frameworks evolve, Riva’s dual-rail system positions the company as a leader in cross-border B2B payments.

  • Combines the speed and transparency of blockchain with the reliability of traditional banking.

  • Enables businesses to execute international transactions efficiently in a digital, interconnected global economy.

“With stablecoin adoption accelerating and regulatory frameworks maturing globally, the time is right for an infrastructure rethink. Riva’s dual-rail system elegantly solves for both speed and flexibility,” said Malin Posern, Partner and Managing Director at Project A.