We Built an AI-Powered Platform for Investing in Real Smbs (feedback Welcome)

We’ve been building Rivellium — a multi-asset investment platform that lets people invest in real, revenue-generating SMBs (manufacturing, logistics, service companies, etc.) rather than high-risk startups or crypto tokens.

The core idea: make real-economy investing accessible, transparent, and supported by automated AI scoring + a future P2P secondary market.

A few technical details: • Scoring engine: combines structured SMB financial data with operational metrics and sector-level benchmarks. • Stripe + INXY Payments for multi-method deposits (card, bank transfer, local methods). • Built on a Python backend with async pipelines for risk/financial modeling. • Frontend: React + modular UI system. • Infrastructure: GCP + Vercel. • KYC/AML handled via Medallion (auto-verification + sanctions/PEP checks).

We launched our MVP recently — first users and initial investments have started to come in. Currently working on: • Public-assets layer (indexed instruments) • P2P secondary market for liquidity • New updated UI (ships this week) • Referral system • Extended reporting for investors

We’re still early, so I’d really appreciate feedback from the HN community: — thoughts on the model? — risks we might be underestimating? — ideas for making the scoring engine more robust? — anything that looks unclear, unsafe, or technically weak?

Happy to answer any questions. Not trying to sell anything — I’m mostly looking for honest technical/product feedback from people who have built financial or marketplace systems before.

Thanks for reading.