Every major crypto platform was built around the same assumption: financial advisors are the problem. Cut them out. Go direct.

The result? Thousands of independent advisors in Brazil, managing over $220 billion in assets, with zero clean path to offer their clients digital asset exposure — and zero way to earn a fee for doing so.

Not a referral. A fee. On AUM. The same model advisors use for everything else they manage.

That is the gap Rivool was built to close.

The problem, from the inside

Rivool's CEO Tiago Piassum built and sold a financial advisory operation that scaled from zero to R$1 billion in AUM in three years. During that time, every attempt to independently offer digital asset products to clients hit the same wall: the infrastructure did not exist for advisors to distribute these products and get compensated the way they work.

The only option was referral-based. Send the client somewhere else, earn a one-time cut, lose visibility into performance, lose control of the relationship. For an advisor building a fee-based practice, that is not a solution. It is a workaround that undermines the entire model.

What Rivool built

Rivool is a B2B neobank for financial advisors. Advisors use the platform to offer digital asset products directly to their clients, with fees configured by smart contract and settled on-chain automatically.

The first product is a USD yield account. Clients deposit via PIX, hold USDC, and earn yield from audited protocols. No lock-up. No complexity on the client side.

The second is tokenized real-world assets, built on Stellar. This includes tokenized credit and fixed income products.

Both products run on Stellar. The yield layer uses Blend, Stellar's lending protocol. The RWA layer is tokenized directly on-chain.

Why Stellar

Stellar enables what the traditional financial stack cannot: settlement in seconds, transaction costs near zero, and a USDC integration that connects to Brazilian payment rails without friction. For an advisor offering a dollar-denominated account to a client in São Paulo, that means PIX in, USDC yielding, and liquidity available immediately — without the advisor needing to explain what a blockchain is.

The infrastructure is invisible. The advisor keeps their relationship, their fee, and their model.

What this unlocks

The advisor onboards a client. Configures the fee in the smart contract once. From that point, compensation flows automatically, on every dollar of AUM, for as long as the client holds the position. No invoicing. No platform dependency. No referral handoff.

For the advisor, that is the same fee-based model they use for equities, bonds, and ETFs — applied, finally, to digital assets.

For the client, it is a global dollar account with yield, backed by regulated infrastructure, opened in five minutes.

Direct access, without the Web3 friction

End clients are not limited to the advisor channel. Rivool also offers direct B2C access — a self-custodial account where anyone can deposit, hold USDC, and access DeFi products without managing seed phrases, connecting wallets, or navigating any Web3 interface. Onboarding is a social login. Everything underneath is fully on-chain. The user never sees the complexity.

This changes the distribution dynamic: advisors bring their book of clients, and clients can also arrive independently. Both paths lead to the same product, the same on-chain transparency, and the same self-custodial structure.

Where Rivool is going

The current product is the foundation. The roadmap extends the same fee-based, on-chain model to tokenized stocks and a global credit card — giving advisors a single platform from which to manage client exposure across asset classes, with every position settled transparently on-chain and every fee automated at the protocol layer.

The vision is not to replace the advisor. It is to give them the infrastructure they were never supposed to go without.

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To learn more or get access: rivool.finance

RF

Written byRivool Finance