# Rivoner
> Fiat-to-Crypto Merchant Payment Gateway. Accept credit cards globally, get settled automatically in cryptocurrency.

Rivoner is a financial technology payment gateway built for online merchants, digital sellers, and global businesses. It bridges traditional card payments and decentralized cryptocurrency: end-customers pay easily with regular credit or debit cards (Visa and Mastercard), while merchants receive automated payouts in cryptocurrency (Bitcoin, USDT, USDC, Solana, Litecoin) delivered directly to their own private, non-custodial wallet.

## The Core Merchant Model (B2B2C)
- **The Merchant (Our Customer)**: Business owner, digital product seller, SaaS company, or eCommerce store that wants to accept card payments without dealing with traditional bank freezes, rolling reserves, or slow international wire transfers.
- **The Buyer (Their Customer)**: Regular shopper who pays in USD or major fiat currencies using Visa or Mastercard. The buyer does NOT need to own cryptocurrency, have a crypto wallet, or understand blockchain technology.
- **The Settlement**: As soon as the card payment clears 3-D Secure authentication, Rivoner converts and automatically dispatches cryptocurrency directly into the merchant's specified private wallet.

## Key Benefits
- **Zero Rolling Reserves**: 0% rolling reserves. Traditional merchant processors (like Stripe or PayPal) routinely lock 10%–20% of merchant revenue for 180 days. Rivoner settles 100% of net earnings immediately.
- **Non-Custodial Architecture**: Rivoner does not hold custody of merchant treasury funds in conventional bank accounts. Payouts land directly in the merchant's private on-chain wallet.
- **Automated Payout Currencies**:
  - Bitcoin (BTC) — Default settlement asset
  - Tether (USDT) on TRON (TRC-20) and Ethereum (ERC-20)
  - USD Coin (USDC)
  - Solana (SOL)
  - Litecoin (LTC)
  - Monero (XMR)
- **Transparent Pricing**: Flat fee of 1.5% per successful transaction. No setup fees, no monthly maintenance fees, no hidden reserve deductions.
- **Chargeback Protection**: All transactions require 3-D Secure (Visa Secure / Mastercard ID Check) cardholder verification to combat fraudulent disputes.

## Integration Methods
1. **Instant Payment Links**: Generate shareable hosted checkout links directly from the merchant dashboard (no coding required).
2. **eCommerce Plugins**: Drop-in plugins for platforms like WooCommerce.
3. **Developer REST API**: Fully programmable API for custom checkouts, payment buttons, and real-time webhook event notifications.

## Key Endpoints & Architecture
- Website: https://rivoner.com
- Merchant Registration: https://rivoner.com/register
- Merchant Login: https://rivoner.com/login
- API Endpoint: https://api.rivoner.com/v1/charges
- Documentation: https://api.rivoner.com
- Sitemap: https://rivoner.com/sitemap.xml
- Full LLM Reference: https://rivoner.com/llms-full.txt

## Quick Code Sample (cURL)
```bash
curl -X POST https://api.rivoner.com/v1/charges \
  -H "Authorization: Bearer riv_live_YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 100.00,
    "currency": "USD",
    "title": "Order #4821",
    "customer_email": "buyer@example.com"
  }'
```