Welcome to our dedicated page for Ryvyl SEC filings (Ticker: RVYL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Overview of Ryvyl Inc
Ryvyl Inc (RVYL) is a technology company at the forefront of blockchain innovation, specializing in the development, marketing, and sale of blockchain-based payment solutions. With a deep commitment to integrating disruptive applications within a comprehensive suite of financial products, the company is strategically positioned to support a wide array of industries through the implementation of secure, immutable ledger technology and advanced tokenization methods.
Core Business and Technology
At its core, Ryvyl Inc harnesses advanced blockchain technology to create systems that facilitate, record, and store a limitless volume of tokenized assets. These assets, encompassing digital cash or data, are managed on a robust, secure, and immutable ledger, which ensures transactional integrity and data fidelity. The company’s proprietary technology emphasizes compliance, audit preparedness, expense tracking, and tax payment functionalities, making its solutions highly adaptable to varied industry requirements.
Comprehensive Financial Integration
Ryvyl Inc not only focuses on payment processing but also integrates its blockchain-based applications within an end-to-end suite of financial products. This integration provides a seamless approach to managing digital transactions and financial data oversight. Its solutions are designed to be fully integrated with traditional systems, offering enhanced data control and improved transparency for users across multiple financial sectors.
Market Segments and Geographic Presence
Divided into two reportable segments—North America and International—Ryvyl Inc generates the majority of its revenue from its North American operations. The company caters to a diverse clientele ranging from retail businesses to large-scale financial enterprises, demonstrating its ability to adapt its technology to meet various industry challenges. Its global operations enable it to address both local and international market needs, ensuring that its technology remains relevant and impactful across different regulatory and economic environments.
Product Ecosystem and Value Proposition
The company has constructed an ecosystem that bridges software innovation with hardware enhancements. By collaborating with international subsidiaries and vendor partners, Ryvyl Inc not only develops in-house software but also modifies electronic components to produce state-of-the-art point of sale and digital transaction systems. This holistic approach enhances the security and efficiency of the financial transactions processed, affirming its primary value proposition: a secure, reliable, and integrated blockchain-based payment infrastructure.
Competitive Landscape and Differentiation
In a competitive market where numerous players offer digital payment solutions, Ryvyl Inc differentiates itself through its exclusive focus on blockchain technology and tokenization. Its commitment to research and development, demonstrated by patented technological advancements, positions the company uniquely in the landscape of financial technology innovations. By combining innovative software solutions with tailored hardware adaptations, it addresses specific industry challenges, setting a clear distinction from traditional payment solution providers.
Expert Insights and Industry Terminology
Ryvyl Inc’s emphasis on technologically advanced, blockchain-driven systems is anchored by a deep understanding of financial product integration. Industry-specific keywords such as 'immutable ledger', 'digital tokenization', and 'compliance and audit controls' appear naturally throughout its offerings, reflecting the company’s expertise. This approach not only instills trust among users but also reinforces its position as a thoughtful, technology-centric business dedicated to enhancing modern payment processing infrastructures.
S8 Global Fintech & Regtech Fund, a 10% owner of Ryvyl, reported significant insider purchases of common stock across two consecutive days:
- On June 25, 2025, acquired 3,354 shares at $0.77 per share
- On June 26, 2025, purchased 100,000 shares at $0.8799 per share
Following these transactions, S8 Global Fintech & Regtech Fund's total beneficial ownership increased to 3,390,354 shares, held directly. The substantial purchase by a major shareholder, particularly the larger block of 100,000 shares at a higher price point, could signal confidence in the company's prospects. The Form 4 was signed by Geraldine Gantenbein as Manager of the fund.
S8 Global Fintech & Regtech Fund, a Luxembourg-based alternative investment fund, has acquired a significant 21.34% stake (3,390,354 shares) in Ryvyl, representing a major ownership position in the financial technology company. The stake was calculated based on 15,885,647 outstanding shares as of June 5, 2025.
Key details of the acquisition:
- Funding sources include loan repayment from a UK-based electronic money institution and financing from a UK-based authorized payment institution
- The fund has sole voting and dispositive power over all 3,390,354 shares
- Share purchases occurred between June 23-26, 2025
While the fund has not disclosed specific plans for its investment, it maintains the right to: acquire additional shares, engage in private transactions, and influence corporate decisions. The filing indicates potential active involvement in Ryvyl's future direction, though no concrete proposals for corporate changes have been formulated at this time.
Ryvyl's Chief Financial Officer George Oliva reported a Form 4 filing on June 28, 2025, disclosing a transaction dated June 20, 2025. The transaction involved the withholding of 25,619 shares of common stock at a weighted average price of $0.72 per share (range: $0.70-$0.73) to cover tax liabilities.
The shares were withheld in connection with the vesting of restricted stock units that were previously awarded on April 8, 2025. Following this transaction, Oliva directly owns 254,933 shares of Ryvyl common stock.
- Transaction Code: F (Payment of exercise price or tax liability using portion of securities received)
- Ownership Type: Direct
- Filing Type: Single reporting person
S8 Global Fintech & Regtech Fund, a 10% owner of Ryvyl, has reported significant insider purchases of common stock across two consecutive days:
- On June 23, 2025: Acquired 100,000 shares at $0.7509 per share
- On June 24, 2025: Acquired another 100,000 shares at $0.8031 per share
Following these transactions, S8 Global Fintech & Regtech Fund's total beneficial ownership increased to 3,287,000 shares, held directly. The fund's accumulation of shares at increasing prices ($0.7509 to $0.8031) could signal confidence in the company's value. The transactions were executed as straight purchases with no derivative securities involved.
S8 Global Fintech & Regtech Fund has filed a Form 3 (Initial Statement of Beneficial Ownership) for Ryvyl, disclosing a significant ownership position as a 10% owner of the company. The filing date is June 28, 2025, reporting an event that occurred on June 11, 2025.
Key details of the beneficial ownership:
- The fund directly owns 3,087,000 shares of common stock ($0.001 par value per share)
- No derivative securities (options, warrants, etc.) were reported
- The filing entity is based in Capellen, Luxembourg (postal code 8308)
- The form was signed by Geraldine Gantenbein as Manager on June 20, 2025
This Form 3 filing indicates a new substantial investment position in Ryvyl, triggering SEC disclosure requirements for beneficial owners holding 10% or more of a company's securities. The direct ownership structure suggests a straightforward equity investment without any complex derivative positions.
S8 Global Fintech & Regtech Fund, a Luxembourg-based alternative investment fund, has disclosed a significant 19.43% ownership stake in Ryvyl, representing 3,087,000 shares of common stock. This disclosure was triggered by an event on June 6, 2025.
Key ownership details:
- The fund maintains sole voting and dispositive power over all 3,087,000 shares
- No shares are held with shared voting or dispositive powers
- Ownership percentage is calculated based on 15,885,647 outstanding shares as of June 5, 2025
The filing entity is registered with Luxembourg's CSSF (Commission de Surveillance du Secteur Financier) under registration number V11163. The certification confirms that the Luxembourg regulatory scheme is substantially comparable to equivalent U.S. institutions. The document was signed by Geraldine Gantenbein, Manager, on June 20, 2025.
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