RVYL_OUT_1 [2025-04-02 09:29:46 -0400] 3222 Bytes | 870 tokens | Cum: 870 tkns (10.88% of 8k)
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Alright, let’s light it up, because it's 9:29:45 AM on Wed Apr 02, 2025 -0400, and I'm charging into Ryvyl (RVYL), popping from 0.897 to 1.1. Is this our star stock of the day, or just a quick blip on the radar? I've got the scoop—time to analyze!

--- COMPANY PROFILE ---
Company: Ryvyl (RVYL)
IPO: 2009-12-28 (15 Years Ago)
Market Cap: $7,490,924
Shares Outstanding: 8,350,000
Industry: SERVICES-MANAGEMENT CONSULTING SERVICES
Exchange: XNAS
Description: Ryvyl Inc is a technology company that develops, markets and sells blockchain-based payment solutions, which offers improvements to the payment solutions marketplace. Its focus is developing and monetizing disruptive blockchain-based applications, integrated within an end-to-end suite of financial products, capable of supporting a multitude of industries. Its proprietary, blockchain-based systems are designed to facilitate, record, and store a limitless volume of tokenized assets, representing cash or data, on a secured immutable blockchain-based ledger. It has two reportable segments North America and International. It generates the majority of its revenue from North America.

Here's the first list of news for Ryvyl:

C1 - Today 07:00AM - RYVYL EU Payments-as-a-Service Contracts Rapidly Onboarding New Accounts
C2 - Mar-31-25 07:00AM - RYVYL Reports Q4 2024 and Full Year 2024 Financial Results and Provides a Business Update
C3 - Mar-20-25 07:00AM - RYVYL Secures Major Payments-as-a-Service Contracts, Set to Onboard Nearly One Million New Accounts in the next 12 Months
C4 - Mar-18-25 10:00AM - Ryvyl (RVYL) May Report Negative Earnings: Know the Trend Ahead of Q4 Release
C5 - Feb-25-25 07:00AM - RYVYL Announces 2024 Preliminary Revenue of $56.0 Million and Introduces 2025 Revenue Guidance of $80 Million to $90 Million
C6 - Feb-06-25 09:45AM - Q1 2025 Symbotic Inc Earnings Call
C7 - Jan-28-25 07:00AM - RYVYL Pays Initial $13.0 Million Tranche to Securityholder to Retire All Outstanding Series B Convertible Preferred Stock and Majority of 8% Senior Convertible Note
C8 - Jan-24-25 07:05AM - RYVYL Executes Repurchase and Repayment Agreement with Securityholder to Retire All Outstanding Series B Convertible Preferred Stock and Outstanding Balance of 8% Senior Convertible Note

Prior AI Reports for RVYL:
1. 2025-03-20 – Score: 45 – Target: 1.3500 – Highs: 1.2496 / 1.1600 / 1.16
ryvyl-inc-high-growth-meets-high-risk

(Note: Highs = Same day / 2nd day / 3rd day)

ONLY 3 RULES for AI:
==============
1) I am a document retrieval system. You are the analyst-investigator.
2) You can request items from my lists to get more info on Ryvyl (RVYL)
3) AFTER requesting and reading News and SEC filings you'll write a summary, set a score, high price target and headline.
Now, your response should be only 2 or 3 chars. You can say ex., C1, C2, etc., or NEX
The NEX command delivers the NEXt list of News/SEC/Metrics
There are several more lists that use our unified document retrieval system in subsequent prompts.
Your predictons will be compared to reality to rate your accuracy. Try to predict accurately. GOOD LUCK!
Please request a document, read, summarize and score. Say something like "C1".

RVYL_OUT_3 [2025-04-02 09:29:50 -0400] 1103 Bytes | 334 tokens | Cum: 1206 tkns (15.07% of 8k)
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Showing C2 (chunk 1 of 17): C2:
**RYVYL Reports Q4 2024 and Full Year 2024 Financial Results and Provides a Business Update**
Date: Mar-31-25 07:00AM
Source: (GlobeNewswire)
URL: https://www.globenewswire.com/news-release/2025/03/31/3052141/0/en/RYVYL-Reports-Q4-2024-and-Full-Year-2024-Financial-Results-and-Provides-a-Business-Update.html

March 31, 2025 07:00 ET| Source:RYVYL Inc.RYVYL Inc.

- Reiterates 2025 guidance of $80 million to $90 million in revenue and mid-40s percentage gross margin -

SAN DIEGO, CA, March 31, 2025 (GLOBE NEWSWIRE) --RYVYL Inc. (NASDAQ: RVYL) ("RYVYL” or the "Company"), a leading innovator of payment transaction solutions leveraging electronic payment technology for the diverse international markets, reported its financial results for the quarter and year ended December 31, 2024.

RYVYL Co-founder and CEO Fredi Nisanissued the following business update for investors.

“We made signifi

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

RVYL_OUT_5 [2025-04-02 09:29:51 -0400] 932 Bytes | 277 tokens | Cum: 1565 tkns (19.56% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-04-02T11:31:39Z - RYVYL EU Payments-as-a-Service Contracts Rapidly Onboarding New Accounts...
A2 - 2025-04-02T11:19:10Z - RYVYL EU Payments-as-a-Service Contracts Rapidly Onboarding New Accounts | Taiwan News | Apr. 2, 202...
A3 - 2025-04-02T04:10:01Z - RYVYL EU Payments-as-a-Service Contracts Rapidly Onboarding New Accounts...
A4 - 2025-04-02T11:04:50Z - RYVYL Inc. accelerates account onboarding with digital banks By Investing.com...
A5 - 2025-04-02T11:12:05Z - RYVYL EU Payments-as-a-Service Contracts Rapidly Onboarding New Accounts...

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

RVYL_OUT_7 [2025-04-02 09:29:56 -0400] 1098 Bytes | 319 tokens | Cum: 1886 tkns (23.57% of 8k)
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Showing A1 (chunk 1 of 8): A1:
**RYVYL EU Payments-as-a-Service Contracts Rapidly Onboarding New Accounts**Date: 2025-04-02Source: {'uri': 'manilatimes.net', 'dataType': 'news', 'title': 'The Manila times'}URL: https://www.manilatimes.net/2025/04/02/tmt-newswire/globenewswire/ryvyl-eu-payments-as-a-service-contracts-rapidly-onboarding-new-accounts/2085033- Onboarded over 10,000 accounts; averaging 1,000 new accounts per day with first digital banking partner -

- Second digital bank has completed API integrations and expects to begin onboarding mid-April -

SAN DIEGO, CA, April 02, 2025 (GLOBE NEWSWIRE) -- RYVYL Inc. (NASDAQ: RVYL) ("RYVYL" or the "Company"), a leading innovator of payment transaction solutions leveraging electronic payment technology for the diverse international markets, is rapidly onboarding new accounts with its two recently announced digital banking partners at RYVYL EU - Mar. 20, 2025 - RYVY

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

RVYL_OUT_9 [2025-04-02 09:29:56 -0400] 1062 Bytes | 320 tokens | Cum: 2313 tkns (28.91% of 8k)
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This is our final list of news.
News AI can literally read just by asking.
Don't miss the breaking news!

B1 - 2024-10-29T22:06:00Z - Inari Medical, Hertz Global, Fastly, and Ryvyl Investigation Alert: Johnson Fistel, LLP Encourages Long-Term Investors to Reach Out for More Information
B2 - 2024-07-01T11:00:00Z - RYVYL Increases Focus on Licensing and Aligns U.S. Operations by Business Unit
B3 - 2024-04-16T18:17:57Z - Why Skillsoft Shares Are Trading Lower By Around 27%? Here Are Other Stocks Moving In Tuesday's Mid-Day Session
B4 - 2024-04-16T12:14:17Z - Why Macatawa Bank Shares Are Trading Higher By Around 37%; Here Are 20 Stocks Moving Premarket
B5 - 2024-04-15T20:27:00Z - RYVYL Inc. Announces Launch of Proposed Underwritten Public Offering
B6 - 2024-03-27T17:06:58Z - Why LuxUrban Hotels Shares Are Trading Lower By Around 27%? Here Are Other Stocks Moving In Wednesday's Mid-Day Session

Request an article by its reference number. (Ex., "B1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

RVYL_OUT_11 [2025-04-02 09:30:01 -0400] 1102 Bytes | 301 tokens | Cum: 2616 tkns (32.70% of 8k)
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Showing B3 (chunk 1 of 3): B3:
**Why Skillsoft Shares Are Trading Lower By Around 27%? Here Are Other Stocks Moving In Tuesday's Mid-Day Session**Date: Unknown DateSource: Unknown SourceURL: https://www.benzinga.com/news/24/04/38278089/why-skillsoft-shares-are-trading-lower-by-around-27-here-are-other-stocks-moving-in-tuesdays-mid-dayShares of Skillsoft Corp. (NASDAQ: SKIL) fell sharply during Tuesday’s session after the company reported mixed fourth-quarter financial results and issued FY25 revenue guidance below estimates.
Skillsoft posted adjusted loss of $3.09 per share, versus market estimates of $3.27 per share. The company’s quarterly sales came in at $137.540 million versus expectations of $141.897 million.
Skillsoft shares dipped 26.7% to $6.74 on Tuesday.
Here are some other stocks moving in today's mid-day session.
Gainers

WiSA Technologies, Inc. (NASDAQ: WISA) jumped 85% to $3.2379 after the company

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

RVYL_OUT_13 [2025-04-02 09:30:03 -0400] 1086 Bytes | 286 tokens | Cum: 2998 tkns (37.48% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S1 - 2025-03-28 10-K Item 7. Management s Discussion and Analysis of Fin Cond and Results of Oper

RESULTS OF OPER

The following results of operations are provided on a CONS basis and by reportable segment for the years ended December 31, 2024, and 2023 (dollars in ...

S2 - 2025-02-28 8-K Item 2.02. Results of Oper and Fin Cond.

On February 25, 2025, RYVYL Inc., a Nevada corporation (the Company), issued a press release including certain preliminary financial and operating results for the year ended December 31, 2024. The press release also cont...

S3 - 2025-02-28 8-K Item 2.02. Results of Oper and Fin Cond.

On February 25, 2025, RYVYL Inc., a Nevada corporation (the Company), issued a press release including certain preliminary financial and operating results for the year ended December 31, 2024. The press release also cont...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

RVYL_OUT_15 [2025-04-02 09:30:09 -0400] 1098 Bytes | 396 tokens | Cum: 3396 tkns (42.45% of 8k)
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Showing S1 (chunk 1 of 6): S1:
Item 7. Management s Discussion and Analysis of Financial Condition and Results of Operations

RESULTS OF OPERATIONS

The following results of operations are provided on a consolidated basis and by reportable segment for the years ended December 31, 2024, and 2023 (dollars in thousands):

##TABLE_START Year Ended December 31, 2024 2023 Change % of % of Amount Revenue Amount Revenue Amount % Revenue $ 55,998 100.0 % $ 65,869 100.0 % $ (9,871 ) (15.0 )% Cost of revenue 33,572 60.0 % 40,157 61.0 % (6,585 ) (16.4 )% Gross profit 22,426 40.0 % 25,712 39.0 % (3,286 ) (12.8 )% Operating expenses: Advertising and marketing 95 0.2 % 80 0.1 % 15 19.5 % Research and development 3,848 6.9 % 5,757 8.7 % (1,909 ) (33.2 )% General and administrative 6,933 12.4 % 8,678 13.2 % (1,745 ) (20.1 )% Payroll and payroll taxes 13,836 24.7 % 12,017 18.2 % 1,820 15.1 % Professional fees 4,372 7.8 % 7,076 10

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

RVYL_OUT_17 [2025-04-02 09:30:22 -0400] 5001 Bytes | 1497 tokens | Cum: 5037 tkns (62.96% of 8k)
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This is our set of metrics.
Please analyze the numbers.

+--------------------+-----------------------+------------------------+------------------------+
| Volume: 156,587 | Perf Month: 11.15% | Option/Short: No / Yes | Sales Y/Y TTM: -14.99% |
+--------------------+-----------------------+------------------------+------------------------+
| Avg Volume: 87.74K | Perf Quarter: -35.00% | Short Float: 2.49% | ROE: -243.87% |
+--------------------+-----------------------+------------------------+------------------------+
| Rel Volume: 1.81 | Index: - | Short Ratio: 1.75 | ROI: -143.19% |
+--------------------+-----------------------+------------------------+------------------------+
| RSI (14): 39.17 | Market Cap: 7.49M | Short Interest: 0.15M | Sales Surprise: -8.33% |
+--------------------+-----------------------+------------------------+------------------------+
| ATR (14): 0.12 | Shs Outstand: 8.03M | Beta: 4.24 | EPS Surprise: -250.00% |
+--------------------+-----------------------+------------------------+------------------------+
| SMA20: -8.58% | Shs Float: 6.17M | Sales Q/Q: -33.85% | P/E: - |
+--------------------+-----------------------+------------------------+------------------------+
| SMA50: -17.03% | Inst Own: 4.65% | Sales past 5Y: 60.81% | Earnings: Mar 31 BMO |
+--------------------+-----------------------+------------------------+------------------------+
| SMA200: -36.22% | Insider Own: 26.17% | Employees: 95 | |
+--------------------+-----------------------+------------------------+------------------------+
| Perf Week: -17.86% | Insider Trans: 0.00% | Debt/Eq: - | |
+--------------------+-----------------------+------------------------+------------------------+

The next section covers any insider trading.
If this section may be blank due to no recent filings.

Inside Trans: RYVYL Inc. (RVYL) by Nisan Fredi (Chief Executive Officer) on 2025-02-15
- Common Stock par value $0.001: 3968 shares at $1.26 (D)

Inside Trans: RYVYL Inc. (RVYL) by Montoya David (Unknown Title) on 2025-02-15
- Common Stock par value $0.001: 3968 shares at $1.26 (D)

Inside Trans: RYVYL Inc. (RVYL) by Errez Ben (Chairman of Board of Directors) on 2025-01-30
- Common Stock par value $0.001: 3816 shares at $1.31 (D)
- Common Stock par value $0.001: 3968 shares at $1.26 (D)

Inside Trans: RYVYL Inc. (RVYL) by Montoya David (Unknown Title) on 2025-01-15
- Common Stock par value $0.001: 3816 shares at $1.31 (D)

Inside Trans: RYVYL Inc. (RVYL) by Nisan Fredi (Chief Executive Officer) on 2024-12-31
- Common Stock par value $0.001: 10955 shares at $1.3 (D)

[Company Financial Summary]
[Company Details]
Name: N/A
Market Cap: N/A
Shares Outstanding: N/A
Sector: N/A

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): {'value': 55998000.0, 'unit': 'USD', 'label': 'Revenues', 'order': 100}
Net Income: {'value': -26825000.0, 'unit': 'USD', 'label': 'Net Income/Loss', 'order': 3200}
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 0.897
Average Volume: 45770.41
30-Day High: 1.16
30-Day Low: 0.807

[Detailed Financials: TTM 2024]
- Total Assets: $122,276,000.0
- Total Liabilities: $123,768,000.0
- Total Equity: $-1,492,000.0
- Current Assets: $95,384,000.0
- Current Liabilities: $103,542,000.0

[Income Statement: TTM 2024]
- Revenue: $55,998,000.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): -4.01

[Cash Flow Statement: TTM 2024]
- Net Cash Flow: $18,712,000.0

[Detailed Financials: FY 2024]
- Total Assets: $122,276,000.0
- Total Liabilities: $123,768,000.0
- Total Equity: $-1,492,000.0
- Current Assets: $95,384,000.0
- Current Liabilities: $103,542,000.0

[Income Statement: FY 2024]
- Revenue: $55,998,000.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): -4.01

[Cash Flow Statement: FY 2024]
- Net Cash Flow: $18,712,000.0
==== END OF FINANCIAL REPORT ====

You are now requested to make a summary analysis.
Save explaining why you didn't have enough information for the final survey.

Now, complete this report with the following:

1) Brief Summary: explain your findings in succinct wording.
2) MARKET_SCORE: If you calculate a 92% likelihood of an upward moves, say: MARKET_SCORE[92]
3) PRICE_TARGET: If you think the high today will be 50% higher, add to the price.
Eg., If the current price is $5.00, add 50%. Thus, PRICE_TARGET[$7.50] -- It should be at or above the current price.
4) Provide a thought-provoking take, 6-10 words, to use for the headline of this news story.
Like this: AI_RPT_HEADLINE: [6-12 words headline for news story, distilled from summary]

1) Brief Summary, 2) MARKET_SCORE, 3) PRICE_TARGET, and 4) AI_RPT_HEADLINE

RVYL_OUT_19 [2025-04-02 09:30:24 -0400] 676 Bytes | 167 tokens | Cum: 5483 tkns (68.54% of 8k)
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Finally, if more data could have improved your confidence which would you have chosen? **Choose one option:**
-> X0 <- Nothing more would have helped my analysis
-> X1 <- More stock-specific news
-> X2 <- More SEC filings (10-K, 10-Q, 8-K) Financials, risk disclosures, and business changes
-> X3 <- More SEC Insider Trading (Form 3, 4, 5) Direct buys/sells from executives and institutions
-> X4 <- Broader sector & market news
-> X5 <- Your past analysis on similar companies (specify metrics)
-> X6 <- More financial metrics
-> X7 <- Your past analysis on this exact company
-> X8 <- Something altogether different (explain...)

RVYL_IN_21 [2025-04-02 09:30:24 -0400] 126 Bytes | 29 tokens | Cum: 5540 tkns (69.25% of 8k)
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====================================
[2025-04-02 09:30:24] # Analysis Completed
Elapsed Time: 39.32 seconds