21Rates
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River

Bitcoin Only
Inheritance Solution
Established Est. 2019
United States
Inheritance Score: 78/100
Bitcoin financial services company offering Transfer on Death (TOD) accounts. Beneficiaries are registered directly on the account, providing a simple legal framework for passing bitcoin to heirs without probate.

Core Features

Multisig Support No
Timelocks Not supported
Guardian Services Not available
Bitcoin Only Yes

Fees & Pricing

Fee StructureBuy/Sell Fees: Spread + percentage fee based on order size (starts at 1.2%). Recurring Buys: Zero fees. Bitcoin Interest on Cash: 3.8% interest on cash deposits, paid in Bitcoin (as of October 2024). Private Client: For buys over $100,000; custom support, fees apply.

Security

Institutional-grade cold storage with multi-layer security. Majority of Bitcoin held in air-gapped cold storage. $100M+ in insurance coverage through institutional partners.

Process

Deceased Verification

Estate executor contacts River with death certificate and legal documentation. River compliance team verifies beneficiary identity and legal standing. Standard KYC/AML checks on beneficiary.

Distribution Methods

Beneficiary completes River onboarding (KYC). Funds transferred to beneficiary River account or withdrawn to external wallet. River handles the full transfer process.

Legal & Compliance

US-registered, FinCEN-compliant. State money transmitter licenses. Integrates with standard estate and probate processes. Supports trust accounts.

Customer Support

Phone, email, and in-app chat. River Private clients get dedicated advisor. New York-based team. Known for responsive, knowledgeable support.

Leadership

AL
Alexander Leishman
CEO & Co-founder

Frequently Asked Questions About River

River offers Inheritance Solution services. Bitcoin financial services company offering Transfer on Death (TOD) accounts. Beneficiaries are registered directly on the account, providing a simple legal framework for passing bitcoin to heirs without probate.

River's pricing: Buy/Sell Fees: Spread + percentage fee based on order size (starts at 1.2%). Recurring Buys: Zero fees. Bitcoin Interest on Cash: 3.8% interest on cash deposits, paid in Bitcoin (as of October 2024). Private Client: For buys over $100,000; custom support, fees apply.. Confirm current pricing directly with River as fees may vary based on your estate size and service tier.

River does not list multisig as a primary feature. They may use other secure methods such as custodial arrangements or legal documentation to facilitate inheritance. Contact them for technical details.

River does not currently list timelock support. They may use alternative mechanisms such as legal instructions or guardian coordination to facilitate inheritance. Contact them for details.

Yes, River is a Bitcoin-only service, meaning they focus exclusively on Bitcoin inheritance and do not handle other cryptocurrencies. This specialisation often means deeper expertise in Bitcoin-native estate planning techniques.

About this analysis

21Rates Editorial TeamBitcoin Financial Research Analysts

Our research team analyses Bitcoin inheritance providers using security scoring, legal compliance research, and user reviews. We independently verify service terms and maintain up-to-date information to help you plan your estate with confidence.

Last verified: August 2026

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