Platform

Everything your team needs. Nothing they do not.

One platform for field staff, property managers, and accounting, each with the right view, the right controls, and the right data.

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Old process vs. RYVA

Eight steps become four.

Every property purchase used to require an 8-step paper trail. RYVA collapses it into 4 steps that happen before the card swipe, not after.

The old way

8 steps. Days to settle.

1 Employee uses personal card or petty cash

2 Collects paper receipt (maybe)

3 Fills out expense form with property and category

4 Manager reviews and approves (days later)

5 Accounting verifies receipt against form

6 Manual GL coding and property assignment

7 Reimbursement processed to employee

8 Month-end reconciliation of all transactions

With RYVA

4 steps. Done at swipe.

1 Select property from the RYVA app

2 Select expense category (GL auto-coded)

3 Verify identity (Face ID or PIN)

4 Swipe the RYVA card. Receipt captured. Ledger done.

82 %

Reduction in reconciliation time

4 steps

From 8 down to 4, all before the swipe

58 secs

Per transaction, versus 8 minutes

Platform

One workflow. Four perspectives that stay aligned.

The field moves faster, managers stay in control, accounting stays clean, and ownership sees portfolio-wide spend in real time from the same transaction record.

One card, every property account

One physical card linked to every property account. Before each swipe, select the property and expense category. Funds route to the right account automatically. No personal cards, no reimbursements. Patented

Purchase lists and work order notes

Build a shopping list tied to a work order before heading to the store. Check off items as you go. At purchase, the full list attaches to the transaction, no receipts lost, no mystery charges.

Receipt capture at point of purchase

Snap a receipt the moment you pay. It's attached to the transaction immediately, no scanning later, no chasing paper. The record is complete before you leave the store.

Face ID and PIN authorization

Every swipe requires biometric or PIN confirmation. Only authorized users can charge a property, misuse is blocked before it happens, not caught weeks later in an audit.

Real-time spend dashboard

Every transaction updates your dashboard the moment it happens. See spend by property, category, or team member in real time, not at month-end. No waiting, no surprises.

Property-level budget controls

Set spend limits per property, per category, or per user. Automated alerts fire the moment a threshold is approached. Budget overruns are prevented, not discovered after the fact.

Fraud and anomaly alerts

AI flags unusual spend patterns the moment they occur. Category-level controls block unapproved purchases at authorization. You are preventing fraud, not auditing it after the fact.

Smart approval workflows

Route approvals based on amount, category, and property automatically. Large purchases require sign-off before the card works. No retroactive enforcement needed.

Zero reconciliation overhead

Because context is captured before every swipe, every transaction arrives pre-categorized. There is nothing to reconcile at month-end. Your team gets those 40+ hours back, every month. 82% time reduction

Automatic GL coding

Expense categories map directly to your chart of accounts at the moment of purchase. Transactions hit the ledger already coded, no manual entry, no correction passes.

Accounting system sync

On clearing, transactions are pushed to your accounting platform as fully categorized journal entries with attached receipts. QuickBooks, Yardi, and more, no import process required.

Audit-ready records by default

Every transaction carries an immutable record: who spent, which property, what category, what was purchased, and the receipt, from the moment of intent through settlement. No reconstruction needed at audit time.

See where every dollar is going, right now

Not next month. Not when accounting finishes reconciling. Right now. One dashboard shows live spend across every property, every team member, every category. You stop guessing and start deciding with real numbers.

No one can overspend without you knowing

Set budgets per property and per category. If a maintenance tech tries to buy something outside their approved scope or over the limit, the card declines at the register. You find out before the money leaves, not after.

Hand out cards without handing over control

Every card is dead until the user picks a property, selects a category, and confirms their identity. One card per person, every property account. No personal card reimbursements. No surprise charges. No trust required.

The platform pays for itself in days

82% less reconciliation labor. Fraud exposure cut by 85%. Most operators recover the annual subscription cost in the first billing cycle.

For field staff

In, out, done.

Field staff spend an average of 8 minutes per purchase on paperwork. With RYVA, that's 58 seconds, and accounting already has everything they need.

58 secs

Per transaction vs. 8 minutes

Expense reports filed

Personal cards used

100 %

Transactions traceable

For property managers

Control before it happens.

Stop discovering overruns after the damage is done. See every dollar moving across your portfolio in real time, and block what shouldn't happen before it does.

Live spend feed across all properties and categories

Alerts when any property approaches budget threshold

Category-level blocks prevent unauthorized purchases at swipe

Role-based access, field staff only see their assigned properties

Full transaction history with receipts, notes, and work order links

For accounting teams

Month-end in minutes.

Internal beta operators report an 82% reduction in reconciliation time in their first month. The work does not get faster, most of it simply goes away.

82 %

Less reconciliation time

40 h

Recovered per month

Near 0

Manual GL entries

100 %

Audit-ready on day one

For owners & executives

Your money. Your rules.

You built the portfolio. You sign the checks. RYVA gives you the controls so every dollar is accounted for before it leaves the account, not chased down weeks later by your accounting team.

100 %

Spend visible in real time

Unauthorized transactions

Every card is inert until property, category, and identity are confirmed

Budgets enforced at the register, not reviewed at month-end

Full audit trail from intent to settlement on every transaction

Platform pays for itself within the first billing cycle

Why RYVA is different

A new category in property payments.

Ramp and Brex control spend after it happens. AppFolio tracks it. RYVA is purpose-built to enforce context before authorization.

Full support

Partial / limited

Not available

Feature	Ramp / Brex	AppFolio / Yardi	Property Banking	RYVA Purpose-built
Spend Control
Pre-transaction authorization ? Context (property, category, identity) is captured before each swipe. The card will not work until authorization is complete. No other platform does this.
Auto property assignment at swipe ? Funds route from the correct property operating account at authorization. Ramp and Brex assign to departments, not property-level LLCs.
Category-level spend blocks ? Ramp and Brex offer merchant category restrictions. RYVA blocks unapproved categories at the pre-authorization layer, before the transaction is even attempted.
One card for all property accounts ? RYVA issues a single physical card that dynamically routes to any property account. Ramp and Brex issue separate cards per employee or department. Property software issues no cards at all.
Accounting and Reconciliation
Zero reconciliation overhead ? Because context is captured before the swipe, every transaction is pre-categorized. Ramp and Brex auto-categorize after the fact but still require review. AppFolio requires manual transaction entry.
Eliminates reimbursements ? All spend flows through company-issued RYVA cards. Ramp and Brex still support reimbursement workflows for off-card spend. AppFolio has no card program.
Automatic GL coding at purchase ? RYVA assigns GL codes at the moment of intent, before the swipe. Ramp and Brex auto-categorize after the transaction clears. AppFolio supports GL but requires manual or AI-assisted entry.
Accounting system sync ? Ramp and Brex sync to QuickBooks, Xero, and NetSuite. RYVA syncs to those plus property-specific platforms like AppFolio and Yardi. AppFolio has native accounting but no card spend sync.
Intelligence and Fraud
AI receipt validation ? RYVA's AI reads every receipt line item and matches against GL codes. Ramp auto-generates receipts for some merchants but does not validate line items against budget categories.
Real-time anomaly detection ? Ramp and Brex flag unusual spend patterns and duplicate subscriptions. RYVA adds property-level anomaly detection, flagging spend that deviates from per-property budgets in real time.
Identity verification per swipe ? RYVA requires biometric or PIN confirmation before every card use. Ramp and Brex verify identity at card issuance, not at each transaction. Anyone holding the physical card can swipe it.
Real Estate Specific
Built for multi-property / multi-LLC ? RYVA is designed from the ground up for operators running spend across dozens or hundreds of property-level LLCs. Ramp and Brex support departments but not property-level entity separation. AppFolio manages properties but has no card controls.
Purchase lists tied to work orders ? Field staff build shopping lists linked to work orders before heading to the store. Items are checked off and attach to the transaction automatically. No other platform offers this.
Property-level budget controls ? RYVA enforces budgets per property, per category, blocking overspend at authorization. Ramp and Brex set budgets by department. AppFolio tracks budgets for reporting but cannot enforce at point of purchase.
Cashback rewards retained ? All spend flows through RYVA-issued cards, so you keep your 1-2% cashback. Ramp offers 1.5%, Brex offers points. AppFolio and property banking offer no card rewards.

The platform

Five pillars. One card.

Everything property operators need to control spend, eliminate reconciliation, and gain real-time clarity across their entire portfolio.

Card Issuance

One physical card per team member, linked to every property account in your portfolio. The card activates dynamically based on the property and category selected before each swipe. No separate cards per property or per LLC.

1 card

Per person, unlimited properties

Spend Controls

Enforce budgets per property, per category, per user at the moment of intent. Category-level blocks, time-based limits, and biometric verification ensure every dollar is authorized before it leaves the account.

Pre-auth

Enforced at swipe, not after

Vendor Payments

Pay vendors via card or ACH directly from the correct property account. Purchase lists tie to work orders before the trip to the store. Every line item is tracked, documented, and coded to the right GL account automatically.

Card + ACH

Both channels, one workflow

Real-Time Visibility

Every transaction updates your dashboard the moment it happens. See spend by property, category, team member, or time period live. Anomalies are flagged instantly, not discovered weeks later during reconciliation.

Live

Not at month-end. Right now.

Accounting Automation

GL codes assigned at the moment of purchase. AI validates every receipt line item against the transaction. On clearing, fully categorized journal entries push to your accounting system with receipts attached.

Zero

Manual entries at month-end

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See how RYVA fits your property operations workflow.

Start with the specific spend motion that hurts most today, then map the control points you want in place before the swipe.

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Pre-transaction controls · Property-specific routing · Cleaner accounting handoff