Ricchi empowers high-net-worth individuals to professionalize casual lending relationships with institutional-grade tools for risk management, compliance, documentation, and collections. This enables them to function as private lenders in their communities — originating and managing loans to friends, family, and local businesses — without the high overhead costs of traditional branch banking models.
Our Story
Ricchi was born from a simple but powerful observation: too much capital sits idle or flows inefficiently, while the people best positioned to deploy it — high-net-worth individuals — lack the professional infrastructure to lend responsibly at scale.
Founder Matthew Ricchiazzi saw this gap clearly. Sophisticated individuals often want to support friends, family, colleagues, and local businesses directly, yet they’re forced to choose between cumbersome traditional banks or risky, ad-hoc arrangements. At the same time, banks carry massive overhead that makes relationship-driven lending uneconomical.
Ricchi was created to solve this. We built a mobile platform that delivers the full operating infrastructure of a modern community bank — risk analytics, legal documentation, compliance, payments, and collections — directly into the hands of qualified individuals. Our goal is simple: enable high-net-worth individuals to professionalize their lending and function as community bankers without the cost or complexity of traditional banking.
By decentralizing lending capital and restoring economic agency to sophisticated private actors, Ricchi aims to strengthen local economies and create more resilient, opportunity-rich communities.
Mission Statement
Ricchi exists to decentralize global capital by empowering high-net-worth individuals to deploy it responsibly and professionally into their local communities.
By giving sophisticated lenders institutional-grade tools through a mobile platform, we enable them to act as community bankers — strengthening local economies, creating opportunity, and building more resilient, self-reliant communities from the ground up.
For More Information or to Request a Prospectus
Thank you for your interest in Ricchi. We are currently raising our initial seed round of $7.5 million at a $25 million pre-money valuation. This round is open exclusively to accredited investors. To receive additional information, including our Business Plan, Investor Presentation, and subscription documents, please complete the form below. A member of our team will follow up promptly.
This website is not an offer to sell, or a solicitation of an offer to buy, any securities. Any offer or sale of securities will be made only to accredited investors pursuant to Regulation D under the Securities Act of 1933, as amended, and only by means of a confidential private placement memorandum or other offering documents. Past performance is not indicative of future results. Investing in early-stage companies involves significant risk, including the possible loss of principal.All information provided will be kept confidential and used solely for the purpose of evaluating a potential investment in Ricchi.
For direct inquiries, please contact:
Matthew Ricchiazzi
Founder & CEO