Rifbid
Financial institutions already run on Rifbid

Continuous verification for the assets you finance.

750+ verified suppliers
01 · The Thesis

Public spending is the largest underleveraged capital flow in the world.

Public contracts represent trillions in obligations. They move through opaque workflows, fragmented verification, and slow payment infrastructure. Rifbid rebuilds that layer.

01

Verification as the prerequisite

Before anything can be financed, repaid, or moved across capital markets, it has to be verifiable. We make government obligations continuously verifiable: credentials, contracts, milestones, and operational signals.

How CVA works
02

Controlled settlement

Verified obligations flow through programmable escrow. Disbursement is rule-based, not trust-based. Every release is tied to conditions that can be checked, logged, and audited.

See the architecture
03

Programmability as the scaling layer

Once obligations are verifiable and settlement is controllable, the same assets can move across modern capital markets with more transparency, liquidity, and composability.

Read the details
02 · Trust anchor

CVA: Continuously Verified Assets.

A Continuously Verified Asset is a government obligation our agent monitors in real time. Credentials, documents, and operational signals stay current from first advance to final repayment.

CVA · verification stream
live · read-only
03 · How it works

A closed loop, by design.

Three layers. Each is the prerequisite for the one below. Verified obligations flow through controlled settlement, funded by lenders today and by a broader institutional pool over time.

Layer 01

Continuously Verified Assets

Credentials, contracts, disbursement triggers, and operational signals continuously verified by the CVA Agent.
CVA Credentials Documents Operational signals
Layer 02

Controlled settlement

Funds move through a programmable escrow bound to verified obligations. Release is conditional, not trust-based.
Escrow Disbursement rules Audit trail Repayment monitoring
Layer 03

Capital

Today: lenders originate against verified obligations. Over time: an institutional capital pool accesses the same asset class.
Regional lenders Institutional pool Secondary markets
04 · Who it's for

One system. Four audiences.

Rifbid is institutional infrastructure. The surface each audience sees is different; the underlying rails are the same.

Lenders & Financiers

License CVA as standalone infrastructure for your lending operation.

Stronger underwriting. Continuous post-funding monitoring. Lower verification cost.

For Lenders
Institutional Investors

Exposure to government obligations.

A new asset class moving onto programmable capital markets. Request the institutional deck.

Talk to us
Government Suppliers

Unlock working capital against contracts.

Keep executing. Rifbid handles verification through to settlement.

For Suppliers
Strategic Partners

Build on verified rails.

Payments, compliance, and infrastructure partners plugging into the Rifbid stack.

Partner with us
CVA Agents

The agent behind every Continuously Verified Asset.

CVA stands for Continuously Verified Asset. Our CVA Agent is what keeps it that way: it reasons about what evidence is needed, retrieves it from authoritative sources, and monitors it without stopping.

What it does · Agentic verification

The agent doesn't wait to be told what to check.

Traditional verification is a one-time form. The CVA Agent reasons about what needs to be checked, retrieves it directly from the source, and keeps monitoring.

Decides what to verify

Given a supplier and contract, the agent reasons about which documents and credentials are actually required, derived from the obligation itself rather than a static template.

Navigates supplier portals directly

The agent accesses the registries, licensing portals, and procurement systems the supplier operates in. Not a self-submitted PDF. The live source.

Cross-references across sources

Company name, directors, registered address, and financial signals are checked against each other. Inconsistencies surface automatically.

Pulled from source, not self-reported

Evidence is fetched directly from authoritative registries and government databases. The supplier cannot edit what the agent reads.

Tamper-proof by design
For lenders

CVA as infrastructure for lenders.

For Lenders & Financiers

Continuously Verified Assets, on license.

License Rifbid's verification layer independently of our financing product. Gain a continuous underwriting surface across the government receivables you already finance.

  • Stronger inputs for underwriting
  • Continuous post-funding monitoring
  • API access to verified state
  • Webhook stream for drift & status changes
Risk & Return Profile

Sovereign-backed receivables.

Government obligations carry the lowest default risk of any receivable class. Rifbid structures each advance against a verified contract milestone, so you know exactly what you're financing before capital is deployed.

  • Each draw tied to a verified contract milestone
  • Continuous CVA monitoring post-funding
  • Automated repayment on government settlement
  • Structured reporting for portfolio compliance
Receivables Financing

You did the work. Don't wait 90 days to get paid.

You submitted the invoice. The government approved the contract. The money is coming, but not for months. Rifbid advances you the capital now, against the receivable you've already earned.

The problem

Government agencies pay slowly. Your business can't wait.

You won the contract. You delivered the work. You submitted the invoice. And now you're waiting, sometimes 60, 90, even 120 days, while your business still has payroll, suppliers, and overhead to cover.

That gap isn't a cash flow problem. It's a structural problem with how government payments work. Rifbid is built to close it.

How it works

From submitted invoice to funded account.

01

Create an account & connect

Create an account with Rifbid and connect with our AI agent. Our AI agent guides you through the process including setting up the payment advance account and walking through the document verification process.

02

Get advanced against it

Once verified, Rifbid finances in hours typically. You get working capital now, without waiting months for the government to pay.

03

Repaid automatically

When the agency settles the invoice, repayment is handled automatically. No chasing, no manual reconciliation. Clean settlement on both sides.

For contractors

Built for the supplier, not the bank.

No new debt on your books

Rifbid advances capital against a receivable you've already earned. The advance is secured against the invoice, not your business assets, so your balance sheet stays clean.

Verify once, draw multiple times

Once your credentials are verified through CVA, you can draw against future invoices without re-submitting documents every time. The verification stays live.

Days, not months

Traditional invoice financing can take weeks to set up. Rifbid's verification is automated. If your contract is verified and the invoice is in the system, funding moves fast.

Backed by a government contract

Rifbid finances against verified government contracts, the most creditworthy obligations in any market. Repayment is secured by the same contract you've already fulfilled.

Who qualifies

Rifbid works with registered government contractors who have a submitted, approved invoice outstanding with a government agency. If you have a contract number, an approved scope, and an invoice in the system, you likely qualify.

Earn up to 18% yield

Stable returns backed by sovereign government contracts.

Not speculative markets. Real infrastructure. Government obligations verified, settled, and distributed as tokenized yield.

Up to 18%
Annual yield
2–4 mo
Contract duration
USDC
Settlement currency
01 · Why invest

Why You Should Join Rifbid Invest

Stable Returns

Earn predictable yields backed by sovereign government contracts, not speculative markets. Your return is tied to an obligation a government has already issued.

Short Durations

Contracts mature in just 2–4 months, giving you fast liquidity and flexibility. Capital cycles back quickly and you're not locked in for years.

Easy Onboarding

Start investing in minutes using USD, credit/debit cards, or bank transfer. Complete KYC once, then invest across the pool with no friction.

02 · How it works

Three steps to earning yield.

STEP 01

Complete KYC

Verify your identity in minutes. We follow standard financial compliance. Once cleared, you're ready to deploy capital.

STEP 02

Invest into the pool

Purchase fractional ownership in a diversified pool of verified government receivables. Minimum entry is accessible; exposure is spread across multiple contracts.

STEP 03

Earn up to 18% yield

When the government pays, the smart contract automatically settles principal + yield to your wallet in USDC. No intermediary, no waiting.

Settlement

Smart contract settlement in USDC

When the government pays the supplier, the Rifbid settlement layer intercepts the obligation and distributes principal plus yield proportionally to all pool investors, directly to their wallets in USDC. Automated. Auditable. No manual reconciliation.

YOU RECEIVE
Principal
+
Yield
in USDC
FAQ · Common questions

Answers before you invest.

Real World Assets (RWA) are tangible or financial assets from the physical world that are tokenized on the blockchain. In our case, we tokenize government infrastructure contracts, allowing you to own fractional shares of verified contracts and earn yields when they settle.
While government contracts are generally considered lower risk, all investments carry some level of risk. Risks include contract default (though rare with government contracts), market volatility, and liquidity constraints. We recommend diversifying your investments and only investing what you can afford to hold until contract maturity.
Start today

Ready to earn yield on sovereign obligations?

Join the waitlist or speak with our investor team. Onboarding takes minutes; the opportunity is measured in years.

Resources · Webinars

Webinar Highlights & Upcoming Events

Events where procurement officers, suppliers, and industry leaders explore cutting-edge solutions and share valuable insights.

Next event TBA

Stay tuned for the next event.

We host regular sessions for procurement officers, lenders, and government suppliers on the infrastructure behind public-sector finance.

Drop your email and we'll notify you when the next event is announced.

Previous highlight

Rifbid Virtual Procurement Fair 2024

Thank you to everyone who joined us for an incredible event where procurement officers, suppliers, and industry leaders explored cutting-edge solutions and shared valuable insights.

Procurement officers
Government representatives
Suppliers
Verified contractors
Industry leaders
Fintech & infrastructure
Recording · Rifbid Virtual Procurement Fair 2024

Watch the full session.

Resources · Insights

Research and Analysis

Thinking on public procurement, government finance, and the infrastructure being built around it.

Now hiring

Build the infrastructure governments run on.

Rifbid is wiring verification, settlement, and capital into a single coherent stack for government finance. We're early, focused, and hiring people who want to work on systems that matter.

Verification Infrastructure· Government Finance· Settlement Layer· CVA Agents· Receivables Financing· Government Finance· Verification Infrastructure· Government Finance· Settlement Layer· CVA Agents· Receivables Financing· Government Finance·
Why Rifbid

A structural problem that requires a structural solution.

Governments issue contracts. Suppliers fulfill them. Lenders need to finance that gap. But the verification layer tying those together has never been built, so capital stays locked, suppliers wait 90 days, and lenders underwrite blind.

We're building that layer: automated, continuous, agent-driven. It's hard infrastructure work in a market that moves slowly, but the gap is real, the opportunity is large, and nobody else is building it the right way.

How we work

Principles we build by.

01

Systems first.

We don't polish interfaces before we've solved the underlying plumbing. Every decision starts from: what does this make possible structurally?

02

Institutional credibility.

We operate in finance and government. Our work has to hold up under scrutiny. We write things down, we verify claims, and we don't ship things we can't stand behind.

03

Small team, real leverage.

We're not hiring for headcount. Each person owns a meaningful surface. You see the impact of your work in production, not in a ticket queue.

04

Long-term thinking.

Government infrastructure compounds slowly and then all at once. We're building for the long arc. The people we hire should want to be part of it.

The team

Who you'll work with.

Shergaun Roserie
Shergaun Roserie
Co-CEO & Co-Founder
Stanford Microsoft Orbtronics
LinkedIn

Shergaun's background spans digital infrastructure, financial innovation, and technology-enabled modernization. He builds and leads high-performing teams that solve structural inefficiencies for governments, enterprises, and emerging ecosystems. He graduated with an MSc in Mechanical Engineering from Stanford, where he also focused on advanced blockchain research, and previously built products at Microsoft. He brings a systems-minded approach to tools that improve institutional execution, payment flows, and access to capital.

Keeghan Patrick
Keeghan Patrick
Co-CEO & Co-Founder
MIT Orbtronics
LinkedIn

Keeghan specializes in digital infrastructure, institutional modernization, and technology-enabled market transformation. He leads the design and growth of platforms that help governments, enterprises, and emerging markets operate more efficiently and scale effectively. His work spans software systems, operational transformation, and ecosystem development — with a focus on solving structural inefficiencies through practical, high-value digital solutions.

Open roles

Where we need you.

Senior Backend Engineer
Engineering · Full-time · Remote
Closed
AI / Agentic Systems Engineer
Engineering · Full-time · Remote
Closed
Product Designer
Product · Full-time · Remote
Closed
Business Development — Financial Institutions
Growth · Full-time · Remote
Closed
Not seeing your role?
General · Speculative applications welcome
Get in touch

All roles are remote-first. Reach us at info@rifbid.com

Contact

Open a conversation.

Rifbid onboards by introduction. Tell us who you are, and the right person will get back to you.

Direct
Lenders & Financiers
info@rifbid.com
Institutional Investors
info@rifbid.com
Government Suppliers
info@rifbid.com
Partnerships
info@rifbid.com
Office
Rifbid Inc
Palo Alto, California
Request Access
Legal

Privacy Policy

Last updated: April 2026

1. Who we are

Rifbid Technologies, Inc. ("Rifbid", "we", "us") operates the Rifbid platform, which provides verification infrastructure, receivables financing, and settlement services for government contractors and financial institutions. Our registered address is in the United States. For privacy inquiries, contact us at info@rifbid.com.

2. Information we collect

We collect information you provide directly (name, email, company, role), information generated through platform use (verification requests, transaction data, API usage logs), and technical data (IP address, browser type, session metadata). For government contractors and lenders onboarded to the platform, we also collect business registration documents, compliance credentials, and contract-related information for verification purposes.

3. How we use your information

We use information to operate the platform, perform continuous verification, process financing requests, and fulfill contractual obligations. We use contact information to respond to inquiries and deliver service notifications. We do not sell personal information to third parties. We may share data with regulated financial institutions as required to facilitate financing and settlement.

4. Data retention

We retain personal data for as long as your account is active or as required to comply with legal, regulatory, and contractual obligations — typically a minimum of seven years for financial transaction records. You may request deletion of non-essential data by contacting us.

5. Your rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict processing of your personal data. To exercise any right, contact info@rifbid.com. We will respond within 30 days.

6. Cookies

This website uses minimal cookies to maintain session state and remember navigation preferences. We do not use third-party tracking or advertising cookies. You can disable cookies in your browser settings, though some platform features may not function correctly without them.

7. Changes to this policy

We may update this policy periodically. Material changes will be communicated via email to registered users. Continued use of the platform after changes constitutes acceptance of the updated policy.

Legal

Terms of Service

Last updated: April 2026

1. Acceptance of terms

By accessing or using the Rifbid platform, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree, do not use the platform. These terms apply to all users including government contractors, financial institutions, investors, and API integrators.

2. Platform access

Access to the Rifbid platform is by invitation or approved application only. We reserve the right to approve, deny, or revoke access at our discretion. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.

3. Permitted use

You may use the platform solely for lawful purposes in connection with government contract financing, verification, and settlement. You may not use the platform to submit false or fraudulent documentation, attempt to manipulate verification outcomes, access systems or data you are not authorized to access, or circumvent any platform controls.

4. Financial services

Rifbid's financing and settlement services are subject to separate platform agreements that govern eligibility, advance rates, fees, repayment terms, and default provisions. Nothing on this website constitutes a binding financing commitment. All financing is subject to verification, approval, and execution of applicable agreements.

5. Intellectual property

All platform software, CVA verification technology, interfaces, and documentation are the exclusive property of Rifbid Technologies, Inc. You are granted a limited, non-exclusive, non-transferable license to use the platform for its intended purpose. You may not reverse engineer, copy, or commercialize any part of the platform.

6. Limitation of liability

To the fullest extent permitted by law, Rifbid shall not be liable for indirect, incidental, special, or consequential damages arising from platform use. Our total liability for any claim shall not exceed the fees paid by you to Rifbid in the three months preceding the claim.

7. Governing law

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law provisions. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

8. Contact

For questions about these terms, contact info@rifbid.com.

Legal

Security

Last updated: April 2026

Our approach to security

Rifbid operates in a regulated financial and government environment. Security is not a feature — it is a core requirement of the infrastructure we build. We apply defence-in-depth principles across all platform layers: data in transit, data at rest, access control, and operational monitoring.

Data encryption

All data transmitted to and from the Rifbid platform is encrypted in transit using TLS 1.2 or higher. Sensitive data at rest — including verification documents, contract information, and financial records — is encrypted using AES-256. Encryption keys are managed through a dedicated key management service with rotation policies.

Access control

Platform access is role-based and enforced at the API layer. All administrative actions are logged with full audit trails. Multi-factor authentication is required for all platform accounts. API keys are scoped to minimum required permissions and can be rotated or revoked at any time.

Infrastructure

Rifbid's infrastructure is hosted on SOC 2 Type II compliant cloud providers. We maintain separation between production and non-production environments. Automated vulnerability scanning runs continuously across all services. Dependency audits are performed on every deployment.

Responsible disclosure

If you discover a security vulnerability in Rifbid's platform or infrastructure, please report it responsibly to info@rifbid.com with subject line "Security Disclosure". We will acknowledge receipt within 48 hours and work to address confirmed vulnerabilities promptly. We do not pursue legal action against good-faith security researchers.

Incident response

In the event of a security incident affecting user data, we will notify affected users within 72 hours of confirmation, consistent with applicable data protection regulations. We maintain an incident response plan that is tested regularly.