Better Health for All

Ryvyl Inc. is a technology company specializing in blockchain-based payment solutions and financial technology services.

Its core business involves payment processing for individuals and businesses in the US and Canada. The provided articles do not contain any specific, concrete evidence that Ryvyl's products or services have a direct positive or negative impact on health outcomes. There is no information regarding revenue from products with negative health outcomes, user harm related to physical or mental health, or the affordability of health products. The company does not offer health-related products or services, nor does it engage in health equity programs, health innovation, or preventative health measures. While a board member is CEO of a compliance training platform, this is not an initiative of Ryvyl itself. Therefore, all relevant KPIs are scored as neutral or not applicable.

Fair Money & Economic Opportunity

Ryvyl Inc. states it maintains fair lending practices where applicable and rigorous compliance with various international standards, including AML, CTF, GDPR, PCI-DSS, BSA, OFAC, FCPA, UK Bribery Act, MIFR, EU Consumer Rights Directive, and PSD2.

The company is also subject to oversight by the CFPB. However, there is an ongoing investigation by the SEC regarding possible violations of federal securities laws, and the company has delinquent Section 16(a) Reports. Additionally, a shareholder lawsuit was filed in June 2023, with a provisional settlement approved in November 2025. The company operates a global digital payment processing business, providing payment solutions for underserved markets and enabling transactions across more than 200 markets and 140 currencies. It offers a white-label platform with APIs for managing transactions and merchant onboarding, including KYC/KYB processes, and provides real-time financial insights through advanced analytics. The company states it ensures transparency in its fee structures and prioritizes financial inclusion. No specific quantitative data was provided for the percentage of underserved clients served, average APR or fee multiples, revenue from high-cost products, share of loan/insurance book for inclusion, customer data portability, wealth-building outcomes, profit reinvestment in community finance, financial literacy initiatives, debt burden ratio, or product simplicity.

Fair Trade & Ethical Sourcing

The provided articles do not contain any specific, quantifiable data points for Ryvyl Inc. regarding fair trade and ethical sourcing. While outlines a Code of Business Conduct and Ethics that mentions supplier selection and an expectation for suppliers to adhere to ethical standards, it does not provide any percentages, frequencies, or incident numbers relevant to the KPIs.

The company's business model as a technology company focused on blockchain-based payment solutions suggests it may not have a traditional supply chain involving physical commodities or upstream labor practices that these KPIs typically measure. However, without explicit evidence, no scores can be assigned.

Kind to Animals

Ryvyl Inc. is a technology company focused on blockchain-based payment solutions.

Its business model is service-oriented and does not involve animal-derived products, animal testing, animal agriculture, or operations that directly impact wildlife habitats. CrueltyFreeInvesting.org explicitly lists Ryvyl Inc. as a company that does not exploit animals. Therefore, all KPIs related to animal welfare practices are not applicable to the company's operations.

Safe & Smart Tech

Ryvyl Inc. reported no known material cybersecurity incidents in its 10-K filings as of March 2025.

The company holds PCI DSS Level 1 and combined SOC Type 2 certifications. Its privacy policy outlines user rights to access, rectify, delete, object, restrict processing, and data portability, though specific implementation details are not provided. Transactions are stated to be encrypted, and two-step authorization and one-time passwords are used for authentication. The company states compliance with regulations including BSA, PCI DSS, AML, KYC, KYB, and GDPR. It also conducts regular penetration tests and vulnerability assessments, and has processes for assessing and managing cybersecurity risks. The privacy policy mentions data retention but lacks specific data minimization practices.