Security and Safety: Safeguarding Your Finances

At Bivo, the security of your funds and data is our top priority. We employ advanced technologies and robust protocols to ensure your financial operations are safe, compliant, and efficient. From end-to-end encryption to the security of Treasury-Bills and enhanced FDIC coverage, Bivo sets the standard for reliable financial management.

Key Security Features

End-to-End Encryption
  • All data, transactions, and communications are encrypted at every stage, ensuring complete confidentiality and safeguard from unauthorized access.
Real-Time Transaction Monitoring
  • Transactions are monitored in real-time to detect and prevent fraud or suspicious activity before it can occur.
Two-Factor Authentication (2FA)
  • An additional layer of security requires users to verify their identity using two separate factors, ensuring only authorized personnel can access accounts.
Granular Permissions and Controls
  • Assign user-level permissions to ensure individuals have access only to the information and functions they need.
  • Configure dual controls to require multiple approvals for high-value or sensitive transactions.

Advanced Fund Safeguards

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Treasury-Backed Investments
  • Funds invested in U.S. Treasury Bills are backed by the full faith and credit of the U.S. government, providing unparalleled security. Save more with no state income tax.
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Money Market Funds
  • Bivo’s money market investments primarily focus on U.S. Treasury and government securities, offering both high yields and low risk.
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Enhanced FDIC Coverage
  • While traditional FDIC insurance covers up to $250,000 per account holder per bank, Bivo’s sweep accounts distribute funds across multiple bank partners to significantly increase FDIC-insured coverage limits.
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Compliance and Oversight - Regulatory Adherence
  • Bivo operates under strict regulatory frameworks to ensure compliance with all federal and state financial regulations.

Why Choose Bivo for Security?

Industry-Leading Standards

We adopt the latest security technologies and adhere to stringent protocols to protect your financial data and transactions

Peace of Mind

Know that your funds are safeguarded with Treasury-Bills, money market funds backed by treasury or government securities, or FDIC-insured sweeps, and real-time monitoring.

Tailored Safeguards

Customize security settings, such as user permissions and dual approvals, to match your business’s needs.

Frequently Asked Questions

1. How reliable are Bivo’s accounts?
Bivo employs end-to-end encryption, real-time monitoring, and two-factor authentication to safeguard your accounts from unauthorized access and fraud.
2. What is enhanced FDIC coverage?
Enhanced FDIC coverage allows your funds to be distributed across multiple bank partners, significantly increasing the insured limit, beyond the standard $250,000.
3. Can I customize user access and permissions?
Yes. Bivo provides granular controls that let you assign specific permissions based on roles and responsibilities.
4. Are there safeguards for large transactions for businesses?
Yes. Bivo’s dual controls and approval workflows ensure that high-value transactions require multiple authorizations before they can be processed.
Resources
Call Us
(844) 322-6462
Write to Us
support@bivocash.com

Investing in securities products involves risk and you could lose money.

Bivo High-Yield Accounts are offered by Bivo Financial LLC, (“Bivo”) a broker-dealer registered with the Securities and Exchange Commission (SEC). Bivo is a member of the Financial Industry Regulatory Authority (FINRA), and Securities Investor Protection Corporation (SIPC).

1. Earn industry leading high-yield - by either (i) auto investment in U.S. Treasury Bills, (ii) sweep into your choice of money market funds, or (iii) FDIC-insured sweep at bank partners.

Treasury bills are backed by the full faith and credit of the US Government.

SIPC currently protects the assets in securities accounts at Bivo up to $500,000 (including $250,000 for claims for cash). Please see https://www.sipc.org/ for more information. Funds in FDIC-insured sweep are not subject to SIPC protection, and eligible for FDIC insurance, backed by the full faith and credit of the US Government, through bank partners.

Money Market Fund Disclosure: Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

2. Certain payment services including international payments may be provided by Bivo Inc. (NMLS #2572288). Bivo Inc. is a licensed money transmitter and an affiliate of Bivo.

3. Rates as of 3/29/2025. Annual percentage yield (APY) is variable and subject to change. Treasury yield of 4.35% APY on 4 weeks Treasury bills. Up to 5.61% APY effective yield on treasury bills with state income tax savings and is based on 37% Federal income tax and 13.30% state income tax. Please use the calculator provided to calculate your effective APY. Bivo does not provide legal or tax advice. Consult an attorney or tax professional regarding your specific situation. The national average savings account interest rate is reported by the FDIC (as of December 16, 2024) as the average annual percentage yield (APY) for savings accounts.

Commission-free trading refers to $0 commissions charged on trades of US listed registered securities placed during the US Markets Regular Trading Hours in self-directed brokerage accounts offered by Bivo. Keep in mind that other fees such as regulatory fees, trade fees, auto sweep fee, and paper statement fees may apply to your account. Please see Fee Schedule to learn more.

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