River Financial

Family offices accumulating Bitcoin face a custody problem that most exchanges cannot solve: proof that client assets are actually held, not lent or rehypothecated. River addresses this directly by holding all client Bitcoin in full reserve with no lending exceptions, publishing verifiable Proof of Reserves, and using multisig cold storage built on proprietary custody infrastructure rather than third-party systems. The firm holds SOC 1 and SOC 2 certifications, and the custody stack was designed from scratch by the same team that includes a former founding CSO at Gemini.

River’s Private Client tier is explicitly designed for investments of $100,000 or more and accommodates family offices, personal investment vehicles, and trusts as account structures. Key features available at this tier include:

• Dedicated Relationship Manager with direct phone, text, and email access
• Elevated transaction limits and liquidity
• Tax optimization and performance tracking
• Beneficiary plans for generational Bitcoin transfer
• Zero-fee recurring buys and 3.3% interest on cash balances paid in Bitcoin

River is a Bitcoin-only firm, which means there is no exposure to other digital assets and no infrastructure shared with broader crypto products. That single-asset focus is either a constraint or a feature depending on the family office’s mandate. Offices seeking a regulated, auditable entry point into Bitcoin with white-glove service and institutional-grade custody will find River a credible option. Those needing multi-asset digital exposure, portfolio-level reporting across traditional and alternative holdings, or non-US account structures will need to look elsewhere. Pricing for the Private Client tier is not publicly disclosed.