Cash costs route labor, counting, transport and shrink. Cards cost a percentage, a fixed fee that eats a small ticket, and disputes on unattended sales that nobody wins. riverArk carries none of it: accept Bitcoin, get paid in dollars instantly, and take a revenue share on every operator you send us.
Accept Bitcoin, get paid in dollars, instantly. No hardware refresh. No CapEx. No wallet for you to hold.
riverArk never takes possession, custody or control of funds. No float, no omnibus account.
Funds land in the operator's own deposit account at the quoted amount. No price risk, no Bitcoin held.
Payment is final before the product drops. Nothing to dispute, nothing for your operators to eat.
Running in production on real machines, and demonstrated live at NAMA in Los Angeles.
RFPs get won on price. What follows is the one line item nobody in unattended payments is competing for.
Telemetry and card acceptance are table stakes a competitor matches by next quarter.
Monetizing your installed base further usually means a hardware cycle: capital, logistics, a truck roll per endpoint.
A fixed per-transaction fee eats a $1.75 vend before the percentage rate even applies, and your operators call you about it.
No signature, no cardholder present, no defense: a dispute on a $2.75 vend costs more to fight than to lose.
Every dollar has to be collected, counted, transported and deposited, and some never arrives. Set the assumptions to a real operator in your base, then use the number.
Industry research from IHL Group on attended retail puts cash-handling costs at 4.7% to 15.3% of cash revenue. Unattended operators carry an analogous set of costs (route collection labor, counting, transport, jam-related downtime) which our own modeling suggests falls in a similar range.
Effective rate on small tickets once the fixed fee is spread over a low average sale.
Sets your rate tier. Machine integration runs 3.75% down to 1.00% above $1M a month; attended retail and e-commerce start at 1.00% and fall to 0.75%. Rates are indicative, confirmed at account setup.
An optional premium the crypto-paying customer elects to pay. Recommended field value is 2% ($1.00 becomes $1.02); at 4% it covers processing and conversion in full.
Charged by the settlement provider, not riverArk, only if the operator auto-converts to dollars. Set to zero to model one who doesn't.
Accounts you send us from the base you already own. Commission is a share of riverArk net revenue on each.
Up to 20%, 30% and 40% of riverArk net revenue. Maximums; your actual share is set in your agreement.
spent every year handling cash across one operator's base, before a single card fee. That's $78 per endpoint, per year.
| Tender | Cost per $100 |
|---|---|
| Cash | $8.00 |
| Card | $5.50 |
| riverArk net | $1.25 |
The cash math above is ammunition for the sale, not the offer. Here's the offer.
A share of riverArk net revenue on every operator you refer, for the life of the account. No hardware cycle, no CapEx, no truck roll.
"Bitcoin acceptance with instant USD settlement" is a slide nobody else has, and it's live in production today through our vending partnership with Remarc (Discount Vending), not a roadmap item.
Crypto-native operators, cash-averse sites, tourist and campus corridors, international routes: closed to you now, and it converts with no interchange and no dispute exposure.
Some categories are committed under existing agreements. If yours isn't listed, ask.
The API is public and documented. Hand this to your lead engineer and let them answer "how hard is this?" this afternoon, no salesperson required.
A browser-based unattended machine at ark.riverArk.io/demo. Supply an API key, machine ID and base URL, then run a real payment on real Lightning. No sandbox, no call required.
Not a hardware swap: a software addition where your platform supports us. A second, independent tender path is real uptime insurance when a reader fails.
Each operator creates their own riverArk account and connects their own deposit account. You refer; they own the relationship with their funds. Attribution is captured at signup, so commission tracks without manual reconciliation.
Commissions are a share of riverArk net revenue, not a flat fee, so your economics move with ours. Deal registration is mandatory; first registration wins.
The technician who activates a merchant is rarely compensated for it. We pay a one-time SPIFF per activated merchant, direct to the individual who did it.
| Tier | Operator size | Per activation |
|---|---|---|
| No payment | Under 10 machines, or a single location | $0 |
| Standard | 10 to 49 machines, or a multi-location operator | $50 |
| Priority | 50+ machines | $100 |
A tender your competitors can't offer, a share of every operator you send us, and an engineering lift that's one API key. Start with a 30-minute call, and bring the engineer who'll say no.
