Spend your assets. Without selling them.

A virtual card backed by your tokenized real-world assets. Collateral stays on-chain, value stays yours.

Issue a card

Finance transformation doesn’t require ripping off the GL.

It requires unifying the manual, fragmented data that feeds it.

Finova provides intelligent sub-ledgers where finance, ops, and business teams collaborate alongside AI to streamline financial processes, accelerate decisions, and generate accurate entries at scale.

Standalone modules that work better together

From procure-to-pay to bank reconciliation, unify your financial operations into one intelligent layer feeding your General Ledger.

Frictionless procurements

Refine and standardize intake, vendors, contracts and spend.

Explore Procurement

Effortless treasury

Streamline and oversee cash management, payments and bank reconciliation.

Explore Treasury

Simplified core accounting

Automate your GL, optimize AP/AR, and keep asset and tax records clean, compliant, and up to date.

Explore Accounting

Deploy Teammates to handle the manual so your team can focus on what matters

Finova infuses AI into every workflow, accelerating processes, mitigating risk and replacing manual work with autonomous intelligence.

Employee support manager

All employee questions answered instantly and accurately.

Contract renewal guardian

Manages contracts, tracks end-dates, requests renewals, and much more.

Invoice processing expert

Processes, validates, and routes all invoices for approval.

Discover the whole team

Results that matter, powered by Teammates

Teammates streamline procurement, treasury, and accounting — delivering speed, intelligence, and accuracy across every financial workflow.

faster invoice processing

60%

more accurate cash forecasts

30%

reduction in vendor onboarding time

Deliver accurate financial data

Eliminate manual errors at scale. Finova streamlines financial ops to deliver precise, audit-ready data your teams can trust.

Simplify enterprise complexity

Whether it’s multiple entities, geographies, or accounting rules, simplify operational chaos with flexible sub-ledgers that adapt to your enterprise reality.

Establish a single source-of-truth

Eliminate silos and ensure real-time visibility across every subledger, team, and transaction.

Mitigate risk and maintain control

Enforce financial discipline at scale with real-time monitoring, centralized permissions, fraud risk alerts. Stay compliant with audit-ready control.

Tailored solutions for every team

Discover capabilities tailored precisely for your team

Finance teams

Procurement evolved: from bottleneck to strategic advantage

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Finance

Procurement teams

Away with financial fragmentation, take control.

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Procurement

Treasury teams

Treasury orchestration: precision and control

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Treasury

Accounting teams

Transform accounting from manual burden to strategic asset

Free your team from manual data entry and reconciliation with an AI-native platform that streamlines accounts payable, reconciliation, and reporting processes.

Explore Accounting

FP&A teams

Elevate financial planning with AI-powered insights and precision

Transform how you plan, analyze, and drive strategic decisions with an AI-native platform that delivers real-time financial visibility and powerful forecasting capabilities.

Explore FP&A

Legal teams

Transform contract management from bottleneck to strategic advantage

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Legal

IT & Security teams

Safeguard financial operations without impacting efficiency

Protect your organization's financial processes with bank-grade security and compliance controls that streamline operations while reducing risk.

Explore IT & Security

Finance teams

Procurement evolved: from bottleneck to strategic advantage

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Finance

Procurement teams

Away with financial fragmentation, take control.

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Procurement

Treasury teams

Treasury orchestration: precision and control

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Treasury

Accounting teams

Transform accounting from manual burden to strategic asset

Free your team from manual data entry and reconciliation with an AI-native platform that streamlines accounts payable, reconciliation, and reporting processes.

Explore Accounting

FP&A teams

Elevate financial planning with AI-powered insights and precision

Transform how you plan, analyze, and drive strategic decisions with an AI-native platform that delivers real-time financial visibility and powerful forecasting capabilities.

Explore FP&A

Legal teams

Transform contract management from bottleneck to strategic advantage

Unlock the true potential of your finance operations with a unified platform that delivers unprecedented visibility and control over your entire financial landscape.

Explore Legal

IT & Security teams

Safeguard financial operations without impacting efficiency

Protect your organization's financial processes with bank-grade security and compliance controls that streamline operations while reducing risk.

Explore IT & Security

Integrated in the systems you already use

Finova integrates seamlessly with your tools and systems, strengthening accuracy and control without forcing costly system changes.

Explore integrations

Nothing less than

100%

100% adoption

across your organization

100% visibility

over financial operations

100% control

with streamlined compliance and reduced risk

Elevate your financial operations

Finance, evolved. Start your journey today.

Request demo

How it works

Three steps from your assets to the checkout.

01 Deposit

Deposit

Move tokenized real-world assets from your wallet into your collateral vault on Robinhood Chain.

02 Collateralize

Collateralize

A spending line opens against the live value of your assets, with loan-to-value set per asset class.

03 Spend

Spend

Pay anywhere with your virtual card. Your assets stay staked, earning, and unsold.

Everything on-chain. Card balance, collateral ratio, and repayments are managed directly from your wallet. No intermediary account.

Supported assets

Collateral, by class.

Tokenized on Robinhood Chain.

Real estate

Tokenized property and REIT shares.

Max LTV

60%

Equities

Tokenized stocks on Robinhood Chain.

Max LTV

70%

Bonds

Corporate and municipal debt tokens.

Max LTV

80%

Treasuries

Tokenized U.S. treasury bills.

Max LTV

90%

FAQ

Questions.

Do you offer a physical card?

No. Finova is virtual-only. Your card is issued instantly and works with Apple Pay, Google Pay, and online checkout everywhere major cards are accepted.

Do I have to sell my assets to spend?

No. Your tokenized assets are locked as collateral, not sold. You spend against their value and they remain yours the entire time.

What happens if my collateral value drops?

Your spending line adjusts with the live value of your collateral. If your ratio approaches the limit, you are notified and can top up collateral or repay the balance.

Who holds my assets?

You do. Collateral sits in a non-custodial vault on Robinhood Chain, visible and verifiable at any time.

How fast can I get a card?

Minutes. Connect a wallet, deposit collateral, and a virtual card is issued immediately.

Your assets are already money.

Connect a wallet, get a virtual card, and keep everything you own.

Issue a card

FinovaVirtual

•••• •••• •••• 4028

Backed byTokenized RWAs NetworkRobinhood Chain

Spend your assets. Without selling them.

It requires unifying the manual, fragmented data that feeds it.

Standalone modules that work better together

Frictionless procurements

Effortless treasury

Simplified core accounting

Deploy Teammates to handle the manual so your team can focus on what matters

Employee support manager

Contract renewal guardian

Invoice processing expert

Results that matter, powered by Teammates

Deliver accurate financial data

Simplify enterprise complexity

Establish a single source-of-truth

Mitigate risk and maintain control

Tailored solutions for every team

Procurement evolved: from bottleneck to strategic advantage

Away with financial fragmentation, take control.

Treasury orchestration: precision and control

Transform accounting from manual burden to strategic asset

Elevate financial planning with AI-powered insights and precision

Transform contract management from bottleneck to strategic advantage

Safeguard financial operations without impacting efficiency

Integrated in the systems you already use

Nothing less than

100%

100% adoption

100% visibility

100% control

Elevate your financial operations

Subscribe to our newsletter

Three steps from your assets to the checkout.

Deposit

Collateralize

Spend

Collateral, by class.

Real estate

Equities

Bonds

Treasuries

Questions.

Your assets are already money.