According to River's research, the U.S. banking industry will generate approximately $434 billion in net interest income in 2025, equivalent to about $1,670 per American adult. The company's Chief Executive Officer Alex Leishman criticized traditional banking models and fintech platforms like Robinhood, arguing that they are shifting from financial democratization toward monetizing user behavior, often conflating investing with gambling-like features. In contrast, Bitcoin is viewed as a more rigorous alternative, with a fixed supply and self-custody by users, though currently fewer than 20% of American adults own Bitcoin.