River Review 2026 | River Rates | Coin Interest Rate

Disclosure: This review may contain affiliate links

Score4.2

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River is available in the United States.

River Snapshot

Last updated: June 17, 2026

US-only Bitcoin savings platform with FDIC-insured USD accounts that pay interest in BTC.

Pros

USD interest paid in BTC
FDIC-insured USD deposits

Cons

US only
Bitcoin-only

River Bonus

Earn up to $100 in BTC

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River Review

River is a Bitcoin-focused savings platform. You can buy and hold BTC, alongside USD. It only serves customers in the US.

Earn Bitcoin on USD

Uniquely, River offers a savings account (FDIC insured) that pays interest on USD in Bitcoin; meaning you deposit USD and earn interest in BTC. You currently earn 3.3% on cash deposits.

River New User Bonus (up to $100 in BTC)

Earn $5 in Bitcoin when you buy $100
Earn another $15 in Bitcoin when you buy $1,000
Earn another $80 in Bitcoin when you buy $10,000

Custody and key risks

River users rely on the platform and its custodians for asset access, introducing custody and counterparty risks. Product returns and withdrawal conditions can change. Borrowing can introduce liquidation risk. Confirm the product’s insurance scope directly; crypto earn products are not insured bank deposits.