One file.
One approval.
One debit.

20+ countries.
Each leg on its local rail.

Batch #2291 · September payrollReview
RecipientRailAmount
EURL. MoreauSEPA€ 3,850.00
GBPS. PatelFPS£ 2,100.00
USDJ. WhitakerACH$ 4,500.00
USDCM. RossiOn-chain1,200 USDC
CADD. TremblayLocalC$ 3,000.00
W. TanLocalS$ 2,400.00
One debit$38,420.00
Legs46 · 6 currencies
Rail fees$52.00
FX (0.50%)$118.60
Approval
Waiting · over $10,000 threshold

Payroll, contractors, suppliersUpload a CSV or build the batch in the dashboard. Each leg goes out on the recipient’s local rail, or on-chain where there is none, and every leg is priced before you commit.

Use cases

Four runs that turn an afternoon into one batch.

01 — Payroll & contractorsOne file.Every country.
EURL. MoreauSEPA€ 3,850.00
GBPS. PatelFPS£ 2,100.00
USDJ. WhitakerACH$ 4,500.00

A contractor in Toronto gets Canadian dollars in a Canadian bank; one in Lisbon gets euros over SEPA Instant. Same batch, same approval, same debit.

02 — Supplier runsMatched to the invoiceby reference.
InvoiceINV-0728 · Shenzhen Components$58,200.00ref INV-0728Payout legSwift · USD✓ matched

Every leg carries the reference you set, so payouts match invoices in your ledger without reading a bank statement.

03 — Fiat and USDC togetherLocal rail where it exists.On-chain where it does not.
One batch · one approval
SEPAqueued
Faster Paymentsqueued
USDC · on-chainqueued

A single batch can settle some legs over local rails and others in USDC, for the weekend, the holiday, or the corridor no rail reaches.

04 — When a leg failsOne leg retried.The rest untouched.
J. Whitaker
S. Patel
D. TremblayFailed · funds returned

A failed leg is flagged on its own and retried without resubmitting the batch. Its money returns to your balance rather than sitting in limbo.

How it works

01 — Build

CSV, or straightfrom the dashboard.

Upload a file of beneficiaries and amounts, or pick them in the dashboard. Every recipient is validated before the batch can run.

payroll-sep.csv46 recipients · 6 currenciesValidate recipients
02 — Review

Every leg pricedbefore you commit.

Each leg shows the rail it will take, its rate and its fee: Swift, SEPA, Faster Payments, a local rail or on-chain. You see the total before you commit.

L. MoreauSEPA€5.00FX 0.50%
S. PatelFaster Payments£3.00FX 0.50%
M. RossiUSDC · Base$1.00network fee
03 — Approve & settle

One approval.One debit.

The approvers on your policy sign off the batch as a whole and the debit hits your account once. Legs go out over local rails and on-chain in parallel.

Approve batch #2291Pending
BuiltPricedApprovedPINSent

Local rails and on-chain legs go out in parallel, each with its own reference.

Every plan

The approver signs off the batch, not each line. Set an amount above which a second or third approver is required; below it, batches go without a queue. A session PIN sits in front of the send.

Up to three approversRequired above an amount you set. Nothing queues below it.
Rail chosen per legLocal where it exists, USDC where it does not. Every choice is visible.
Retry, not resubmitA failed leg is flagged alone; the batch and the rest of the money stay put.
How the workspace is set up

Safe by design

Every leg priced firstApproval thresholdsPIN before the sendReference on every leg

Upload a CSV, review every leg, approve once.
No per-payment tiers. You see every fee before you send.

FAQ

Upload a CSV of beneficiaries and amounts, or build the batch in the dashboard. Either way you see every leg, the rail it will take and what it costs before you commit. You see the total before you send.

That leg is flagged on its own and can be retried without resubmitting the batch. The legs that already succeeded are untouched, and the money for the failed one returns to your balance rather than sitting in limbo.

Yes. A single batch can settle some legs over local rails and others on-chain in USDC. That helps when a local rail is closed for the weekend, or does not reach where the recipient banks.

Whoever your policy says. Approval thresholds are configurable, with up to three approvers required above an amount you set. Below that, batches go without a queue, because a control everyone routes around is not a control.

In their own currency, into their own bank account, on the local rail that country uses. The recipient does not need a Rivet account, and does not need to understand how the money reached them.

It depends on the rail the leg takes. A Swift wire is $25.00, falling to $20.00 on Scale; SEPA is €5.00, falling to €3.00; Faster Payments is £3.00, falling to £2.00. Local payouts and on-chain legs are charged at your plan’s per-payout price: $2.00 on Starter, $1.00 on Growth, $0.50 on Scale. The FX margin applies on top only where a leg changes currency, and on-chain legs also carry the network fee. Every one of those is shown per leg before you confirm the batch.

Large enough for a normal payroll or supplier run. You do not enter recipients one by one. Upload the CSV and every leg is priced and routed before you commit. If your run is genuinely unusual in size, that is a scoping-call conversation rather than something to discover at the point of upload.

Global

USD, EUR, GBP and 24 more currencies in the account. Payouts go to 20+ countries on the local rail.

Any hour

You can convert currencies and settle on-chain at any hour, including when banks are closed.

Rivet is a financial technology platform, not a bank. Regulated partner institutions provide the accounts, payment services and cards, under their own terms and eligibility rules. Those institutions hold and move the funds. The money is not pooled on our balance sheet.

The names and logos of Amazon, Meta, Visa, Google Play, App Store, Swift, SEPA, Faster Payments, Circle, Tether and others are trademarks of their owners. We show them so you can tell which network a payment settles on. Rivet is not affiliated with, endorsed by, or sponsored by these companies. Digital assets are not deposits, are not legal tender, and may lose value. Products and services are not available in all jurisdictions.

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