RYVA
RYVA provides a payment platform that enforces spend control before the swipe by letting field staff select the property and expense category on a single physical card linked to multiple entity accounts. Funds route automatically from the correct account with GL codes assigned in real time, eliminating manual reconciliation and month-end chaos. The card is a pay-in-full charge card issued by First Internet Bank of Indiana, with each transaction settling from the designated entity's own bank account.
- Financial Technology
- Property Technology
- Software Only
- Artificial Intelligence
Funding
Founders
Founder details are not available yet.
Product
Problem
Multi-property operators face chaotic month-end reconciliation because receipts arrive late or get lost, hundreds of transactions are sorted manually, and budget overruns are only discovered after the money is spent. Corporate cards, property software, and banking tools all lack control at the moment of purchase, leaving accounting teams to chase documentation and correct mis-attributed expenses weeks after the fact.
Solution
RYVA provides a payment platform that enforces spend control before the swipe by capturing and validating context at the point of intent. Field staff select the property and expense category on a single physical card linked to every property account, and funds route automatically from the correct account with GL codes assigned in real time. Receipts are captured at purchase, purchase lists attach to work orders, and the ledger updates instantly, eliminating manual handoffs and month-end reconciliation. Property managers see a live spend feed across their portfolio with budget alerts and category-level blocks, while accounting teams get audit-ready records with near-zero manual GL entries. The card is a pay-in-full charge card issued by First Internet Bank of Indiana, and each transaction settles from the designated entity's own bank account, ensuring no commingling of funds.
Target Audience
Primary customers are multi-property operators including property management firms, rental units, HOAs, and mixed-use portfolios, as well as construction and project-based businesses such as general contractors, subcontractors, and developers that need real-time spend control across multiple entities.
Features
- Single physical card linked to multiple property accounts with pre-swipe property and expense category selection
- Patented pre-transaction authorization that validates property, category, and biometric identity before the card is charged
- Purchase lists tied to work orders that attach the full itemized list to the transaction at checkout
- Receipt capture at point of purchase with automatic amount and merchant extraction from the photo
- Live spend feed across all properties and categories with budget threshold alerts and category-level purchase blocks
- Role-based access controls that limit field staff to their assigned properties only
- Full audit trail from intent to settlement, including notes, receipts, and work order links
- Accounting sync that auto-categorizes transactions and eliminates manual GL entries
- Cross-institution, multi-account allocation on a single credential, supporting any bank or credit union