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We check outgoing payments for fraud before they leave the bank, run property valuations from request to sign-off, and verify the government contracts lenders finance.
Both are live and used every day. Here's what each one does and what it has done so far.
Every outgoing payment is checked the moment a customer submits it. The risky ones wait for your fraud team, with the reasons spelled out. Everything else goes through as normal. It runs inside your network and we never hold your data.
Loan officers request a valuation, it goes to an appraiser within minutes, and the report is reviewed, approved and locked in one place. A commercial bank moved its whole valuations unit onto it in a week.
Governments owe suppliers trillions, and most of it sits in slow, paper-based processes that lenders can't see into. That makes it hard to lend against. We're fixing the plumbing.
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 worksVerified 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 architectureOnce obligations are verifiable and settlement is controllable, the same assets can move across modern capital markets with more transparency, liquidity, and composability.
Read the detailsA 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.
Three layers, each one depending on the one above it. A contract has to be verified before money is released against it, and released under clear rules before outside capital will fund it.
Banks, lenders, investors and suppliers each see a different part of Rifbid. Underneath, it's the same platform.
Fraud checks, valuation workflow and contract verification you can use separately or together.
For BanksA new asset class moving onto programmable capital markets. Request the institutional deck.
Talk to usKeep executing. Rifbid handles verification through to settlement.
For SuppliersPayments, compliance, and infrastructure partners plugging into the Rifbid stack.
Partner with usRifbid checks every outgoing payment the moment a customer submits it. Anything that looks wrong waits for your fraud team. Everything else goes through as it does today, and your customers don't notice a thing.
It usually starts with a customer phone call. Someone got into their online banking and sent money out. By then the payment has cleared, and getting funds back from another bank is slow when it works at all.
Checking payments by hand doesn't scale, and it slows down the honest customers who make up nearly all of your volume. What you need is a way to pull out the few payments worth a second look, early enough to stop them.
Rifbid sits at the very start of your payment process, before your operations team picks anything up. Nothing about their work changes.
As soon as a customer submits a payment, Rifbid looks at the login, the device, the account's history and the payment itself, and decides how risky it is. This takes seconds.
High-risk payments stop there and go to your fraud team's review queue. Each one comes with the reasons it was flagged, written so anyone on the team can follow them.
Genuine payments are cleared and carry on into your normal process. Fraudulent ones are rejected and the customer is contacted. Low-risk payments never stop at all.
This was the first thing banks asked us about, so we built around it. Rifbid runs in your environment, reads what it needs, and keeps nothing it doesn't.
Set your own thresholds and rules, and change them as fraud patterns shift. No waiting on us for a release.
Each held payment shows why it was flagged in plain language, so reviewers spend their time deciding, not digging.
See which accounts share devices, payees or behaviour, so one compromised account doesn't hide a wider ring.
Run your rules against your own payment history, then let Rifbid run quietly alongside your current process before it holds anything.
Track what was flagged, cleared and stopped, how fast the team responded, and how your rules are performing over time.
Connects to your existing digital banking, payments and core banking systems. Your operations team keeps using the screens they know.
We don't switch anything on until you've seen how it would have handled your own payments.
Install inside your network and set up read-only access to the systems payments pass through.
Set up rules with your fraud team and test them against your past payments.
Rifbid scores live payments without holding any, so you can compare its calls with your own.
High-risk payments start going to your fraud team. We stay close for the first few weeks.
Rifbid's fraud checks already protect more than 100 businesses on a live payments platform. We'd be glad to walk you through it with your own payment flow in mind.
Request a valuation, get an appraiser on it, review the report and sign it off, all in one place. A commercial bank went live in May 2026 and moved its whole valuations unit over within a week.
Before a mortgage can be approved, someone has to instruct an appraiser, chase the report, check it, send it back with questions, check it again and file it. At most banks that happens over email, phone calls and spreadsheets.
Nobody can tell you where a particular valuation is without asking around. Reports get lost in inboxes. And the customer waits on a loan that's otherwise good to go.
A loan officer opens a request using a template for that type of instruction. The bank we work with uses 21 of them.
The request goes to an appraiser on the bank's panel, usually within minutes. If a report is running late, reminders go out every three days on their own.
The report comes back for internal review. It can go to a second reviewer or an outside evaluator, and every version is kept.
Once approved, the record is locked so it can't be changed after the fact. Reports export to CSV whenever you need them.
The bank went live on 27 May 2026. These figures cover 3 June to 1 September.
190 of 208 requests had an appraiser on them the day they were made. The median wait was 15 minutes.
From request to approved valuation took 30.2 days at go-live and 20.0 days by July, 34% faster.
Internal review went from 3.32 days to 1.52. Reviewers stopped searching inboxes for the latest version.
The whole valuations unit was working in Rifbid within a week. There was no period of keeping the old process going in parallel.
20 of 24 users are active across 8 roles, and three quarters of them log in every week.
477 documents stored and 9,584 audit events recorded. Every action shows who did it and when.
82% of requests in this period were for mortgages. Average property value XCD 718,910, median XCD 427,560.
Valuations carry customer details, property records and loan amounts. We treat them that way.
Tell us how valuations work at your bank today, from who requests them to who signs off. We'll show you what it looks like in Rifbid.
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.
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.
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.
The agent accesses the registries, licensing portals, and procurement systems the supplier operates in. Not a self-submitted PDF. The live source.
Company name, directors, registered address, and financial signals are checked against each other. Inconsistencies surface automatically.
Evidence is fetched directly from authoritative registries and government databases. The supplier cannot edit what the agent reads.
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.
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.
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.
Once your credentials are verified through CVA, you can draw against future invoices without re-submitting documents every time. The verification stays live.
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.
Rifbid finances against verified government contracts, the most creditworthy obligations in any market. Repayment is secured by the same contract you've already fulfilled.
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.
Not speculative markets. Real infrastructure. Government obligations verified, settled, and distributed as tokenized yield.
Earn predictable yields backed by sovereign government contracts, not speculative markets. Your return is tied to an obligation a government has already issued.
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.
Start investing in minutes using USD, credit/debit cards, or bank transfer. Complete KYC once, then invest across the pool with no friction.
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.
Join the waitlist or speak with our investor team. Onboarding takes minutes; the opportunity is measured in years.
Events where procurement officers, suppliers, and industry leaders explore cutting-edge solutions and share valuable insights.
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.
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.
Thinking on public procurement, government finance, and the infrastructure being built around it.
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.
All roles are remote-first. Reach us at info@rifbid.com
Rifbid onboards by introduction. Tell us who you are, and the right person will get back to you.
Last updated: April 2026
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.
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.
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.
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.
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.
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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.
Last updated: April 2026
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.
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.
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.
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.
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.
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.
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.
For questions about these terms, contact info@rifbid.com.
Last updated: April 2026
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.
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.
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.
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.
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.
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.
