Item 3.03 Material Modification to Rights of Security Holders. The information contained in Item 5.03 below is incorporated by reference into this Item 3.03.

Item 8.01 Other Events. On December 30, 2025, the Company issued a press release announcing the Reverse Stock Split (the “ Press Release”). A copy of the Press Release is filed as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference. Forward-Looking Statements Exhibit 99.1 attached to this Form 8-K contains, and may implicate, forward-looking statements regarding the Company, and includes cautionary statements identifying important factors that could cause actual results to differ materially from those anticipated.

Item 9.01 Financial Statements and Exhibits. (d) Exhibits Exhibit No. Name of Exhibit 3.1(i)(a) Certificate of Amendment, effective December 19, 2025 3.1(i)(b) Certificate of Change, effective January 1, 2026 99.1 Press Release, issued on December 30, 2025 104 Cover Page Interactive Data File (embedded within the inline XBRL document). SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. RYVYL Inc. By: /s/ George Oliva Name: George Oliva Title: Interim Chief Executive Officer and Chief Financial Officer Dated: December 30, 2025