Guido Rocco (RIV Technologies) explains: “The challenge is to build tools that can be used by businesses, institutions, and end users in a regulated ecosystem.” This is where RIV is moving, with platforms, tokens, and payment systems designed to integrate traditional finance and DeFi.
Translation of an article published in BeBeez Magazine no. 41 of April 25th, 2026
by Stefania Peveraro
Convergence between traditional finance and decentralized finance is gradually moving beyond the experimental stage and into a more operational dimension, encompassing infrastructure, products, and concrete use cases. While asset tokenization remains one of the pillars of this evolution, today the focus is increasingly shifting toward the ability to build solutions usable by companies, institutions, and end users, in a context where compliance and ease of use are becoming key factors for large-scale adoption. It’s no longer just a matter of creating innovative tools, but of integrating them into a regulated ecosystem capable of interacting with the existing financial system.
This is where technology operators like RIV Technologies are entering, explained Guido Rocco, COO of RIV Technologies, connected from Dubai to BeBeez Live, BeBeez Web TV, in the sixth episode of the Digital Finance Files by RIV series, produced in partnership with BeBeez. A journey that chronicles the evolution of decentralized finance and the growing role of technology players like RIV, which are positioning themselves as enablers of the convergence between traditional finance and DeFi.
Click here to see the video interview to Guido Rocco
Question. In our last post, we discussed the infrastructure developed by RIV to connect traditional finance and decentralized finance. Can you summarize how it works and its main areas of application?
Answer. The infrastructure we built was created with the aim of fostering the convergence of traditional finance and the world of digital assets, which today are still two distinct ecosystems but destined to become increasingly integrated. Our role is to develop solutions that make this integration possible in a concrete way, not only for investors, but also for companies, institutions, and regulators.
Q. Let’s get down to business: what are the main solutions you’ve developed?
A. The first example is our tokenization platform, which allows the tokenization of any type of asset: financial instruments, real assets, or commodities. This makes these assets more accessible, more divisible, and potentially more liquid. We then developed the RIV Coin, a cryptocurrency collateralised by real assets invested in both traditional finance and cryptocurrencies. It’s a tool designed for those who want to expose themselves to the crypto world without being entirely exposed to its volatility (see here a previous article by BeBeez International). Finally, we’re launching StablePay, a payments solution that allows merchants across the European Union to accept stablecoin payments easily and instantly.
Q. So it’s not just about technology, but also about creating new use cases?
A. Exactly. All these products have a common goal: expanding the use of cryptocurrencies. If I can pay for a restaurant in crypto, or if a company can issue a tokenized bond, we’re creating concrete applications that make this world more accessible. The idea is to allow both businesses and end users to benefit from these technologies in a simple, secure, and regulated way.
Q. Compliance is a key issue, especially for banks and large companies. How do you build trust in this area?
A. There are two fundamental levels. The first is technological: the platform must be secure, audited, and developed with high standards. Developing technology has become easier today, thanks in part to AI, but ensuring robustness and reliability remains essential.
The second level, even more critical, is compliance. There are specific regulations governing those who operate in digital assets. In Europe, we have MiCAR, which imposes a clear regulatory framework, and then there are national authorities like Consob and the Bank of Italy.
For banks and companies, having a regulated and compliant counterparty is essential: this is what builds trust and allows these solutions to be adopted.
Q. So, is regulation an enabling factor?
A. Absolutely. Without a clear regulatory framework, it’s difficult to scale. The real challenge today is not just developing technology, but doing so in a manner compliant with the rules. Only in this way can we foster the convergence between traditional and decentralized finance.
Q. Geographically, is Europe competitive compared to other markets?
A. Europe has taken a very important step with MiCAR, which is one of the first comprehensive regulations on digital assets. This is a major advantage because it provides regulatory clarity and allows for European-wide operations thanks to the passporting mechanism: if I operate in a country under the MiCAR regime, I can offer services throughout the European Union. It’s true that other ecosystems, such as the American one or some Asian regions, have a more dynamic startup environment, but Europe has a very interesting combination of regulation and an advanced financial system.
Q. So what’s the main factor that can accelerate the adoption of these technologies?
A. The key is making these solutions simple for the end user. The technology is complex, but this is normal in the early stages. Over time, it tends to become simpler, as happens with all innovations. If we can combine ease of use, technological security, and regulatory compliance, then the convergence between traditional and digital finance can truly accelerate.
Read here the previous issues of Digital Finance Files by RIV:
Digital Finance Files series by RIV – File #1 –
DeFi, the silent revolution changing the DNA of traditional finance
Digital Finance Files series by RIV – File #2 –
Stablecoins, reserves, and new finance: how RIV Technologies is building trust in tokens
Digital Finance Files series by RIV – File #3–
What’s Really Needed for the Token Market to Work?What’s Really Needed for the Token Market to Work?
Digital Finance Files by RIV – File #4 – Bitcoin Treasuries: Between Hedges, Diversification, and Branding
Digital Finance Files by RIV – File #5 – Tokenization, the market enters the operational phase: first concrete use cases for digital assets
