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Ryvyl ( (RVYL) ) just unveiled an announcement.
On January 5, 2026, RTB Digital, Inc., the anticipated merger partner of RYVYL Inc., executed a binding term sheet with UTXO Management, an affiliate of 210k Capital, for a $10 million secured convertible note investment that mirrors RTB’s prior $33 million funding, bringing RTB’s recent capital raises to $43 million and, if the merger closes, adding to RYVYL’s shareholder equity without altering the exchange ratio for existing RYVYL stockholders. The note, whose proceeds will be held in Bitcoin, will automatically convert into RYVYL equity at a pre-money valuation of $200 million upon consummation of the merger, and is accompanied by 20% warrant coverage, price-protection mechanisms via additional warrants if the fully diluted valuation at closing is below $200 million, as well as a 12‑month lock‑up on resulting shares and a right of first refusal for RYVYL on any post-lock‑up share sales, together underscoring a capital structure designed to support the planned merger while managing dilution and market overhang risks for existing investors.
The most recent analyst rating on (RVYL) stock is a Hold with a $4.50 price target. To see the full list of analyst forecasts on Ryvyl stock, see the RVYL Stock Forecast page.
Spark’s Take on RVYL Stock
According to Spark, TipRanks’ AI Analyst, RVYL is a Neutral.
The score is held down primarily by weak financial performance (declining revenue, large losses, negative equity, and negative operating/free cash flow) and a bearish technical trend (price far below key moving averages with negative MACD). Corporate events provide some support via financing and NASDAQ-compliance/merger-related developments, but valuation remains constrained by negative earnings and the lack of a dividend.
To see Spark’s full report on RVYL stock, click here.
More about Ryvyl
RYVYL Inc. operates in the financial technology sector, and is currently pursuing a merger with RTB Digital, Inc., a digital-focused business that has recently raised substantial growth capital and intends to hold certain investment proceeds in Bitcoin, positioning the combined entity to leverage crypto-linked financing structures within its broader payments and digital finance strategy.
Average Trading Volume: 153,844
Technical Sentiment Signal: Sell
Current Market Cap: $5.7M
For detailed information about RVYL stock, go to TipRanks’ Stock Analysis page.