SANDIEGO, CA, Aug. 05, 2024 (GLOBE NEWSWIRE) -- RYVYL Inc. (NASDAQ: RVYL) ("RYVYL" or the "Company"), a leading innovator of payment transaction solutions leveraging proprietary blockchain ledger and electronic token technology for the diverse international markets, plans to report financial results for the second quarter of 2024 on Tuesday, August 13, 2024, after the market close. RYVYL management will host a conference call at 4:30 p.m. Eastern Time on Tuesday, August 13, 2024, to discuss the Company's fi ...

-Fintech veteran Christian Murray, who will lead RYVYL's licensing strategy, expands role from VP of Revenue to newly created position of Managing Director, Northeast Merchant Systems - SAN DIEGO, CA, July 01, 2024 (GLOBE NEWSWIRE) -- RYVYL Inc. (NASDAQ:RVYL) ("RYVYL" or the "Company"), a leading innovator of payment transaction solutions leveraging proprietary blockchain ledger and electronic payment technology for diverse international markets, has aligned its U.S. operations to increase its focus on div ...

SAN DIEGO, CA, May 20, 2024 (GLOBE NEWSWIRE) -- RYVYL Inc. (NASDAQ:RVYL) ("RYVYL" or the "Company"), a leading innovator of payment transaction solutions leveraging proprietary blockchain ledger and electronic payment technology for diverse international markets, entered into an Agreement with an existing noteholder (the "Noteholder") of its 8% Senior Convertible Note (the "Note"), pursuant to which the Noteholder agreed to further forbear RYVYL's repayment obligation under the Note to April 5, 2026. Under ...

财务数据和关键指标变化 - 2024年第一季度收入增长49%至16.8百万美元,其中北美收入增长10%至9.7百万美元,国际收入增长185%至7.1百万美元 [16][17] - 2024年第一季度成本收入为9.7百万美元,主要由于交易量增加导致支付给网关的处理费用和支付给ISO的佣金增加 [17] - 2024年第一季度经营费用为8.9百万美元,与2023年同期相比基本持平 [18] - 2024年第一季度调整后EBITDA为负0.8百万美元,较2023年同期负3.0百万美元有所改善 [18] 各条业务线数据和关键指标变化 - 2024年第一季度北美商户服务业务交易量为2.39亿美元,较2023年第四季度下降33%,较2023年同期下降21% [21] - 2024年第一季度外汇和国际支付业务(包括收购的Transact Europe业务和新的银行即服务业务)交易量为7.55亿美元,较2023年第四季度增长28%,较2023年同期增长140% [22] 各个市场数据和关键指标变化 - 2024年第一季度公司总交易量为9.94亿美元,较2023年第四季度增长5%,较2023年同期增长76% [21] - 2024年第二季度预计交易量将在8.5亿美元至9亿美元之间,较第一季度有所下降,主要由于美国某些高风险行业的合规和监管变化 [26] 公司战略和发展方向及行业竞争 - 公司正在加快向移动支付解决方案的转型,这有利于提高毛利率和运营效率 [63] - 公司正在拓展保险和在线业务等新垂直市场,以抵消北美业务短期放缓 [8] - 公司正在与ACI Worldwide合作,将客户接入ACI的支付编排平台,提升客户转化率和降低运营成本 [10][33] - 公司正在推出Visa Direct服务,利用Visa的全球支付网络为客户提供跨境支付服务 [9][35][56] - 公司正在加快在欧洲市场的发展,以抵消北美业务的短期放缓 [25][38] 管理层对经营环境和未来前景的评论 - 管理层表示,尽管2024年第一季度收入有所下降,但预计下半年收入将实现翻番,主要得益于欧洲业务的持续增长、新垂直市场的拓展以及新技术解决方案的推出 [32][35][36] - 管理层认为,行业监管环境的变化以及银行合作伙伴的要求导致了北美业务的短期放缓,但公司正在采取措施应对,包括拓展新的垂直市场和推出更加合规的移动支付解决方案 [7][38][68] - 管理层预计,2024年全年交易量将超过50亿美元,收入将在90-100百万美元之间,调整后EBITDA为1-5百万美元 [26][28] 问答环节重要的提问和回答 问题1 **Kevin Dede 提问** Visa Direct集成何时完成?对第一季度有何贡献?目前运营情况如何? [54] **Min Wei 回答** Visa Direct集成在第二季度完成,目前已在加拿大上线运营,未来将陆续在其他4种货币中上线。预计将为银行即服务业务带来收入增长。 [57] 问题2 **Kevin Dede 提问** 第一季度收入下滑的原因是什么?公司如何看待未来恢复增长? [58] **Min Wei 回答** 第一季度收入下滑主要是由于公司在北美地区的某些高风险行业遇到了合规和监管方面的变化,导致交易量下降。公司正在调整产品解决方案,预计在第三季度开始恢复增长势头。 [60][61][62] 问题3 **Kevin Dede 提问** 收入占交易量的比例从上季度的2%下降到1.7%,这一趋势如何解释? [69] **Min Wei 和George Oliva回答** 这主要是由于欧洲业务占比提高,欧洲业务的毛利率较低,拉低了整体收入占交易量的比例。但公司的整体毛利率并未下降,仍维持在较高水平。 [70][71][72][73]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT For the transition period from to Commission file number: 001-34294 RYVYL INC. (Exact name of small business issuer as specified in its charter) Nevada 22-3962936 (State or other jurisdiction of incorporat ...

Ryvyl, Inc. (NASDAQ:RVYL) Q4 2023 Results Conference Call March 26, 2024 4:30 PM ET Company Participants Ben Errez - Chairman George Oliva - Chief Financial Officer Min Wei - Chief Operating Officer Fredi Nisan - CEO Conference Call Participants Michael Donovan - H.C. Wainwright Howard Halpern - Taglich Brothers Operator Good afternoon, everyone, and welcome to RYVYL Inc.'s Fourth Quarter and Full Year 2023 Conference Call. At this time, all participants are in listen-only mode. A question-and-answer sessio ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 Commission File Number: 001-34294 RYVYL INC. (Exact name of registrant as specified in its charter) Nevada 22-3962936 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 3131 Camino Del Rio North, Suite 1400 San Diego, CA 92108 (Address of principal execut ...

Ryvyl, Inc. (NASDAQ:RVYL) Q3 2023 Results Conference Call November 13, 2023 4:30 PM ET Company Participants Ben Errez - Chairman George Oliva - Chief Financial Officer Min Wei - Chief Operating Officer Fredi Nisan - CEO Conference Call Participants Kevin Dede - H.C. Wainright Operator Good afternoon, everyone, and welcome to RYVYL Inc.'s Third Quarter 2023 Conference Call. [Operator Instructions] This conference is being recorded. A replay of the call will be available through January 13, 2024, by calling 1 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT For the transition period from to Commission file number: 001-34294 RYVYL INC. (Exact name of small business issuer as specified in its charter) Nevada 22-3962936 (State or other jurisdiction of incorp ...

Ryvyl, Inc. (NASDAQ:RVYL) Q2 2023 Results Conference Call August 14, 2023 4:30 PM ET Company Participants Ben Errez - Chairman of the Board Gene Jones - Interim Chief Financial Officer Min Wei - Chief Operating Officer Fredi Nisan - Interim Chief Financial Officer Conference Call Participants Michael Donovan - H.C. Wainwright Operator Welcome to the RYVYL second quarter earnings conference call. [Operator Instructions] The earnings press release accompanying this conference call is issued at the close of th ...