Item 1.01 Entry into a Material Definitive Agreement. On September 28, 2025, RYVYL Inc. (“ Ryvyl”), RYVYL Merger Sub Inc. (“ Merger Sub”), a wholly owned subsidiary of Ryvyl, and RTB Digital, Inc. (“ RTB”) entered into an Agreement and Plan of Merger, (the “ Merger Agreement”), as subsequently amended. Pursuant to the Merger Agreement, on May 12, 2026, Merger Sub merged with and into RTB, with RTB surviving the merger as a wholly owned subsidiary of Ryvyl. Pursuant to the terms of the Merger Agreement, Ryvyl changed its name from “ Ryvyl Inc.” to “ RTB Digital, Inc.” to reflect the ongoing business of RTB as the world’s only full-stack enterprise media platform, combining AI-powered operations for IP management and security, full-stack Web3 publishing infrastructure, and a “real-time” DeFi payment, reporting, and settlement platform for media sales, distribution and operations managed across the RTB platform. The merger parties agreed to consummate the merger notwithstanding any unfulfilled conditions thereto, and agreed that certain actions, such as the resignation and appointment of directors and other actions set forth in the Merger Agreement and that would ordinarily take place at the consummation of the merger would be taken in due course over the following couple of days As a result of the merger being consummated, Ryvyl will issue 11,893,886 shares of common stock in exchange for the issued and outstanding shares of common stock, preferred stock and assumed notes and interest due thereon, resulting in an aggregate of 13,174,895 shares of common stock being issued and outstanding immediately after the merger. Ryvyl will also assume various other equity awards and warrants previously issued by RTB and outstanding as of the date of the merger, as agreed upon in the Merger Agreement. Ryvyl will also issue 109,410 shares due under its investment banking agreement with Maxim Partners LLC. On May 13, 2026, the common stock of the post-merger company will commence trading on the Nasdaq Capital Market under the symbol RTB. The CUSIP number for the common stock remains the same as that assigned prior to the merger. Current outstanding share certificates and share account statements of Ryvyl are not required to be exchanged for new certificates to reflect the name change. Certificates of outstanding shares of Ryvyl, currently in the name of Ryvyl Inc., may be sent to the transfer agent, VStock Transfer, LLC, 18 Lafayette Place, Woodmere, NY 11598; telephone (212) 828-8436, to be reissued in the name of RTB Digital, Inc. Book entry account statements will reflect the change of name automatically.

Item 9.01 Financial Statements and Exhibits. (a) Financial Statements of Business Acquired The audited financial statements of RTB Digital, Inc., prior to the Merger, as of December 31, 2025 and 2024 and for the years ended December 31, 2025 and December 31, 2024, and the unaudited financial statements of RTB Digital Inc., prior to the Merger, as of March 31, 2026 and December 31, 2025, and for the three month periods ended March 31, 2026 and 2025, and the related notes will be filed by an amendment to this report on Form 8-K, within seventy-one (71) days of its filing. (b) Pro Forma Financial Information The unaudited pro forma condensed combined financial information as of and for the fiscal year for the year ended December 31, 2025, and for the three-month period ended March 31, 2026, as required by Item 9.01(a), will be filed by an amendment to this report on Form 8-K, within seventy-one (71) days of its filing. (d) Exhibits Exhibit No. Name of Exhibit 3.1* Certificate of Amendment – Change of name to RTB Digital, Inc. 3.2** Certificate of Merger between RYVYL Merger Sub Inc. and RTB Digital, Inc., effective May 12, 2026 99.1* Press Release, dated May 12, 2026 104* Cover Page Interactive Data File (embedded within the inline XBRL document). Filed or furnished herewith To be filed by amendment 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. RTB By: /s/ George Oliva Name: George Oliva Title: Chief Financial Officer Dated: May 13, 2026