New RYVYL (RVYL) director Steven Fletcher files initial Form 3 ownership

Rhea-AI Filing Summary

RYVYL Inc. director Steven C. Fletcher has filed an initial Form 3, the statement of beneficial ownership required for company insiders. The filing identifies him as a director of RYVYL Inc. and, in this excerpt, does not show any reported transactions or derivative positions.

Key Terms

Form 3, beneficial ownership, reporting person

3 terms

Form 3 regulatory

"has filed an initial Form 3, the statement of beneficial ownership"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

beneficial ownership financial

"initial Form 3, the statement of beneficial ownership required for company insiders"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

reporting person regulatory

"formally registers him with the SEC as a reporting person"

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Fletcher Steven C.

(Last) (First) (Middle)

3111 CAMINO DEL RIO NORTH, SUITE 400

(Street)

SAN DIEGO CALIFORNIA 92108

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/27/2026

3. Issuer Name and Ticker or Trading Symbol
RYVYL Inc. [ RVYL ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

Exhibit 24 Power of Attorney

No securities are beneficially owned.

	/s/ Steven Fletcher	04/13/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

FAQ

What does the RYVYL (RVYL) Form 3 for Steven C. Fletcher show?

The Form 3 identifies Steven C. Fletcher as a director of RYVYL Inc. It is an initial statement of beneficial ownership and, in this excerpt, shows no reported transactions or derivative security positions for him.

Does the RYVYL (RVYL) Form 3 disclose any recent insider trades?

No recent insider trades are shown in this Form 3 excerpt. The transaction summary reports zero buy, sell, acquire, dispose, exercise, gift, tax-withholding, or restructuring transactions associated with Steven C. Fletcher at the time of this filing.

What is the purpose of Steven C. Fletcher’s Form 3 at RYVYL (RVYL)?

Form 3 serves as Steven C. Fletcher’s initial statement as a RYVYL Inc. insider. It formally registers him with the SEC as a reporting person, here in his capacity as a director, and establishes the baseline for any future Form 4 or Form 5 filings.

Does the RYVYL (RVYL) Form 3 list any derivative securities for Steven C. Fletcher?

The derivative summary in this Form 3 excerpt is empty. That means no options, warrants, or other derivative securities are reported for Steven C. Fletcher in the data provided, giving no indication of derivative positions at this time.

How many insider transactions are summarized in this RYVYL (RVYL) Form 3?

The transaction summary shows zero transactions of any type. Buy, sell, acquire, dispose, option exercises, gifts, tax withholding, and restructuring entries are all listed as zero for Steven C. Fletcher in this initial filing.