The five pillars of agent finance
Identity, governance, authorization, ledger and orchestration — the foundation that gives your agents a governed financial life. Pure software in Phase 1; custody comes in Phase 2 via a licensed partner.
Identity
Who the agent is — its own credential, scoped to your organization.
Each connected agent gets its own riv_ credential, scoped to your organization. We store only the hash — the secret is shown once.
Governance
Spending policies: limits per agent, period and category, up to mandates with expiry.
Go from simple per-agent limits to mandates: caps by period and category, with expiry and revocation.
Authorization
Deterministic decision engine: allow, block or require human approval.
A deterministic engine decides every action — allow, block or require human approval — using only your active policies.
Ledger
Auditable record of what was authorized, denied and spent — that never gets erased.
Every authorized, denied and spent amount is recorded and never erased (soft-delete everywhere) — an audit trail you can trust.
Orchestration
Coordination of the agent's financial cycle, end to end.
Riv coordinates the agent's financial cycle end to end, with MCP as the universal entry point.