CROSS RIVER
Enable finance for infinite possibilities
About CROSS RIVER
Cross River Bank is a FDIC-insured, state-chartered bank headquartered in Fort Lee, New Jersey, founded in 2008. The company operates as a technology infrastructure provider offering embedded financial solutions through its proprietary API-driven banking core, COS (Cross River Operating System). Cross River delivers a comprehensive suite of products including payment solutions, card issuing and BIN sponsorship for Visa and Mastercard, stablecoin payments, on/off ramps, digital lending infrastructure, and real-time payment rails via RTP and FedNow. The company serves fintechs, digital lenders, neobanks, crypto platforms, and gaming operators, powering products for partners including Stripe, Coinbase, Upgrade, Visa, Mastercard, Affirm, Best Egg, and DailyPay. As of 2025, Cross River has facilitated over $32 billion in consumer loans since 2019 and generated $675 million in revenue.
Key Infrastructure
Card Issuing & BIN Sponsorship
Launch debit, credit, or prepaid card programs with Visa/Mastercard BIN sponsorship and processor-agnostic infrastructure for fintechs
Crypto On/Off Ramp
Real-time conversion between fiat and digital assets. Fund crypto platforms from fiat accounts with bank-grade compliance
Stablecoin Payments
Move money with stablecoins interoperable across fiat rails. USD ↔ stablecoins across payment modalities with full fiat-stablecoin interoperability
Digital Lending Infrastructure
Bank-supervised origination with 100% loan-level underwriting for consumer and commercial lending programs
CRNow
Instant Settlement Always-on 24/7/365 settlement via Cross River's partner network. Interoperable with FedNow and RTP through one API
FDIC-Insured Accounts
Build checking, savings, and purpose-driven account programs with FDIC-insured accounts and unlimited subledgers for multi-rail money movement
Additional Features
Real-Time Payments
Payouts via RTP and FedNow, pay-ins via RTP for instant money movement across payment rails
Principal Financing
Asset-based financing including credit and seasoning facilities for growth
Merchant Acquiring
Start merchant payment processing with acquiring capabilities and BIN sponsorship
CRB Securities
Investment banking and structured product advisory for the fintech ecosystem
ACH & Wire Transfers
Traditional rails including ACH, Same-Day ACH, and wire transfers
Regulatory Compliance
Regulatory monitoring, controls, and governance built into all products