Context

Crypto is a nascent industry, still in its infancy as regulation is just starting to pick. We are witnessing the creation and structuration of a new parallel financial system, with its own codes and pitfalls. New markets generally come with opportunities. Regulation varies from country to country, information is heterogeneously distributed, arbitraging opportunities are everywhere. Arbitrage helps build markets and make them efficient. It’s a matter of building bridges between locations where value does not flow efficiently. It’s always a matter of first come, first served - you have to be the most performant if you want to benefit from the financial gains these opportunities offer.

Solution

At Rialto, we have been working right in between decentralized and traditional finance, and we understand what these two industries merging implies. We have been navigating Europe’s changing regulatory landscape for years, and we know what it takes to be fully in line with what compliance expects. We built Rialto in the first place because we needed it ourselves. We have been faced with the challenge of converting crypto to fiat in an efficient and cheap way, and could not find a fitting solution, so we created it. Let’s take for example a trading company that identified an arbitrage opportunity between two countries, because the price of cryptocurrencies in these two location consistently show a spread. These kinds of trades are very often temporary, need a specific setup to be functional, and necessitate performant rails to operate correctly. Setting up these trades from scratch can be a challenge, especially when the volumes in question are sizeable and bring advanced compliance checks. At Rialto we specialise in building tailored solutions for clients that require special care. We have built a strong network of financial partners that enable us to offer the best service and performance, from day one. We support more than 30 fiat currencies, as well as nearly all blockchains and jurisdictions. Our DASP registration in France ensures the highest level of compliance and safety. We update our setup continuously with regulation evolution, making sure there are no loose ends. In short, we get you all the tools you need to perform your trades, tailored to your exact needs. At Rialto, we believe in excellence in finance. That means no hidden fees and radical transparency. Rialto ensures every transaction is verifiable, clear, and free from unexpected surprises, allowing you to feel fully informed and in control. Rialto provides the clarity, control, and confidence needed to thrive, freeing you from heavy processes so you can focus on what matters the most: your financial goals.

Context

Building in crypto is incredibly hard. Markets evolve quickly, users have very high expectations and standards change on a monthly basis. Agility and flexibility are paramount, especially in an industry where regulation is just starting to pick up. From one day to the other, a country might decide to change the rules of the game and even stop you from serving your clients altogether. Crypto projects often make the sensible choice of not risking such lengths, and establish their business in an offshore location, such as the British Virgin Islands or the Caymans Islands. These locations offer a welcoming environment with less constraints for young projects that need to focus on their product while they are still in their structuration phase. However, working from these locations can sometimes be challenging, especially when it comes to financial transactions. Offshore entities are very often particularly scrutinised, having to go through reinforced compliance checks. Opening accounts in banks or crypto exchanges can become cumbersome, or virtually impossible in some cases. What crypto startups gain in regulatory flexibility can be lost to reinforced checks and processes. That being said, startups still need to pay their suppliers and employees, and find solutions to reintegrate their crypto holdings into the traditional financial system.

Solution

At Rialto, we experienced this issue first hand. We created Rialto because we needed a solution that would allow us to convert crypto to fiat currencies effectively and in a compliant way. We could not find a suitable solution, so we built it. We are entrepreneurs, working for entrepreneurs. We built a solid network of banking partners that allow us to operate on a worldwide scale while staying performant and competitive in terms of pricing. We understand where you come from, and our compliance checks will take it into account to have a full picture of your situation. When using our services, your bank wires will come from trusted institutions that won’t arouse suspicion. We handle nearly all blockchains, fiat currencies and locations, so you can be assured that we will find a solution to process your trades. We will listen to your needs, setup your onramp and offramp rails in a matter of days so you never had to worry again about getting your funds on time. At Rialto, we believe in excellence in finance. Every transaction is handle with care by our experts, freeing you from heavy process. We will provide you with the clarity, control, and confidence needed to thrive so you can focus on what matters the most : building your startup and serving your clients.

Context

Working in decentralized finance in these last few years has been quite a ride. There are always new opportunities appearing, new yield farms opening up, new projects and airdrops to look into. While this is very exciting, it can make you lose track of your financial obligations and goals. Making millions in decentralized finance is great, but being able to enjoy them is even nicer. Issues start to appear when you try to look into solutions to offramp your funds, often stablecoins, to your local fiat currency. Crypto activity is not very well understood by the traditional financial system. Retail banks have almost always no clue what their clients are doing on the side. Announcing them that you have been making millions in crypto obviously raises some red flags. Then your country’s tax office turns its attention to you. In most countries, you have to pay taxes on gains you make on your financial transactions. However, evolving regulation and lack of financial oversight during times of high volatility and activity in crypto markets very often led to users not complying with their obligations. And last but not least, decentralized finance is mostly denominated in dollars, making it a challenge to reintegrate your gains into your local currency. Converting crypto dollars to local fiat currencies can be challenging and extremely expensive, reducing further your total gains.

Solution

At Rialto, we are crypto natives working for crypto natives. We get the unique struggles that come with working in crypto, and and making the utmost to address them. Our compliance process is tailored to fit your needs. You are always in contact with crypto experts that facilitate all the steps to make your offramping transaction as easy as possible. We understand where you come from, and won’t hold it against you. We can also facilitate sending money to third party destinations, in order to make the process as simple as possible for you. For example, we can send funds to your tax office on your behalf, avoiding unnecessary additional bank wires, or facilitate real estate transactions with crypto funds. Finally, we support more than 30 destination fiat currencies, so you can be sure that we will find a solution to build a transaction exactly for you. At Rialto, we value excellence in all aspects of finance. We are radically transparent with our clients, from start to end. You know exactly what to expect, so you feel empowered and safe, and you can focus on reaching your financial goals. Your high value fiat offramping transactions are a problem of the past - Rialto makes them as simple as sending stablecoins.

Context

In the last years, crypto as an industry has been maturing, and solidifying its place as a promising area of growth in finance. This can be seen through the increased interest of some of the biggest traditional finance institutions in the world, as well as a will from regulators around the world to give functional legal frameworks for companies to develop in. The innovation seen in the crypto industry, and particularly in decentralized finance, is set to be brought to the forefront of finance. In particular, stablecoins transaction volumes are soaring, thanks to their promises of increased performance, transparency, and better service for users. Witnessing these evolutions, a new wave of crypto projects has been launching with the ambition to compete with traditional finance, benefitting from the efficiency of blockchain technology to offer better products. The Real World Assets (RWA) sector in crypto is particularly representative of this trend. They aim at using crypto as a performant backend while handling traditional finance products.

Solution

Even though these developments are promising, crypto projects are forced to develop at the same time their product as well as to ensure the compliance of the traditional finance side of their business. With regulation and compliance rules evolving quickly as well as banking partners requiring lengthy onboarding processes, handling fiat payments in crypto projects is cumbersome. At Rialto, we specialise in handling sensitive fiat to crypto and crypto to fiat conversions. We built a solid setup so you can reuse it, you will never have to worry about your product not being compliant. Onramping and offramping your client’s funds is as easy as calling an API. Our platform seamlessly integrate with your product, so you can handle your clients transactions directly from your interface. We programmatically support nearly all blockchains, juridictions and more than 30 fiat currencies. We will build the flow you need, on your terms, so you can save precious time to focus on what really matters.