Financial infrastructure for a more connected world

One programmable platform powering the future of global commerce

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Full Suite Financial Platform

Agentic Finance

Embedded Finance

Onchain

Card Issuing & Processing

Bank Rails

Card Payments

Marketplace Lending

Principal Financing

CRB Securities

Agentic Finance

Launch debit and credit programs, and virtual cards for AI agents with BIN sponsorship from a trusted bank partner

Give AI agents the ability to transact securely across consumer and commercial use cases, with a programmable, regulated bank core.

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Embedded Finance

Build and scale FDIC-insured account programs

Cross River's banking core supports business & consumer accounts, with unlimited subledgers, and multi-rail API-based money movement.

Give your foreign business customers the US accounts they need, with fiat and USDC rails, real-time subledgers, and streamlined account setup.

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Onchain Finance

Build, move, and settle value onchain without compromising bank-grade controls

We combine fiat rails, stablecoin payments, and crypto-native products in one platform.

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Card Issuing & Processing

Launch debit, credit or prepaid card programs

Flexible, multi-processor card issuance from BIN sponsorship to full-stack program management.

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Bank Rails

Move money conveniently and across any payment rail — globally, securely, and at scale.

Power fast, reliable payments across ACH, wires, and real‑time networks through a single API that lets customers pay and get paid on their terms.

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Card Payments

Accept, process and access card payments with global card networks

Enable push‑to‑card and card‑based payments through Visa, Mastercard, and regional networks — delivered on Cross River’s modern payment stack.

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Marketplace Lending

Launch, scale and monetize lending programs

From origination and servicing to securitization and sale, Cross River powers differentiated lending experiences.

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Principal Financing

Launch, scale and monetize lending programs

Cross River offers financing for cashflow producing assets, including: credit and seasoning facilities, loan retention and purchases.

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CRB Securities

A Leading Fintech Investment Bank

CRB Securities, a Cross River company, provides a suite of capital raising and advisory services to the fintech ecosystem, including private placements, M&A, ABS issuance, and loan sale advisory.

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Purpose-Built Solutions

We help businesses launch faster, scale securely, and unlock new financial experiences. Explore how tailored solutions bring new possibilities to life.

Global Businesses

Give your foreign business customers the US accounts they need, with fiat and USDC rails, real-time subledgers, and streamlined account setup.

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Onchain Finance

Build, move, and settle value onchain through a single integration. Cross River combines fiat rails, stablecoin payments, and crypto-native products in one platform.

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Agentic Commerce

Provide AI agents with the the ability to transact securely across consumer and commercial use cases, with a programmable, regulated bank core.

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Social Platforms

From in-game purchases to instant payouts, Cross River powers gaming operators with secure, compliant infrastructure that keeps play moving and transactions running smoothly.

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Merchant Platforms

Embed lending, payments, and deposits for SMBs

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Retailers

Take control of your payment ecosystem and turn every transaction into a loyalty opportunity

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Gaming Industry

From in-game purchases to instant payouts, Cross River powers gaming operators with secure, compliant infrastructure that keeps play moving and transactions running smoothly.

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Marketplace Lending

From origination to sale and securitization, Cross River’s end-to-end solution enables digital lenders to scale their online lending businesses.

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Neobanks

Our full-service bank core supports neobanks with access to accounts, payments, cards, and lending infrastructure, all through a single integration.

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Merchant Acquirers

Cross River’s cutting-edge payments infrastructure powers seamless merchant acquiring and payments experiences.

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Partnering with leading companies to power big ideas

Read the latest from Cross River

News & Insights

Read the latest from Cross River

Is Your Infrastructure Agent-Accessible or Agent-Ready?

Viewpoint

Oct 29, 2026

min read

Your platform might be agent-accessible, but is it agent-ready? The distinction determines whether agents can truly orchestrate financial operations or just call pre-built workflows faster.

Cross River to Acquire Accrue, Expanding Financial Infrastructure with Integrated Wallet Capabilities

Company news

Oct 20, 2026

min read

Cross River today announced that its parent company (CRB Group, Inc.) has entered into an agreement to acquire Accrue, a fintech company powering modern customer loyalty at the payment layer.

Cross River Embeds Ripple USD Stablecoin on the XRP Ledger into its Core Banking Infrastructure, Expanding Faster Payment Capabilities for Businesses

Company news

Oct 15, 2026

min read

Cross River announced it is partnering with Ripple to integrate RLUSD into Cross River's proprietary Core Operating System (COS), with support for transactions on the XRP Ledger (XRPL).

Built for Developers

Technology is at the core of what we do

Build.

Deploy.

Scale.

Build on a modular, AI-native operating system with unified APIs spanning lending, payments, onchain, and global infrastructure. One integration, full interoperability, and 99.9% historical uptime.

Partner with Cross River's compliance, risk management and implementation teams to bring your products to market.

Once connected, always connected. Cross River's proprietary API-driven banking core seamlessly propels your growth. Expand your customer base and meet growing demands through additional product integrations.

Explore API Documentation



{
  "Loan": {
    "LoanNumber": {{loanNumber}},
    "IssuingBankId": "CRB",
    "Platform": "string",
    "LoanType": 1,
    "NoteDate": "2019-12-31",
    "BorrowerLastName": {{$randomLastName}},
    "BorrowerFirstName": {{$randomFirstName}},
    "BorrowerDOB": "1986-12-31",
    "BorrowerSSN": {{borrowerSSN}},
    "BorrowerAddress": {{borrowerAddress}},
    "BorrowerCity": {{$randomCity}},
    "BorrowerState": {{borrowerState}},
    "BorrowerZip": {{borrowerZip}},
    "LoanAmount": 1500,
    "NetFunding": 1300,
    "Rate": 0.2,
    "APR": "10",
    "BatchId": "string",
    "BorrowerPhone": {{$randomPhoneNumber}},
    "BorrowerEmail": {{$randomEmail}},
    "Amortization": 0,
    "Term": 36,
    "RateType": 0,
    "PriorLoanFlag": "string",
    "FICO": 10,
    "FICODate": "2017-12-31",,
`

Explore API Documentation



{
  "accountNumber": "1234567890",
  "receiver": {
    "routingNumber": "021000021",
    "accountNumber": "456789000",
    "accountType": "Checking",
    "name": "Bob Smith",
    "identification": "XYZ123",
  },
  "secCode": "IAT",
  "description": "Payment",
  "transactionType": "Push",
  "amount": 10000,
  "serviceType": "Standard",
  "iatDetails": {
    "receiver": {
      "address": "123 Maple St",
      "city": "New York",
      "state": "NY",
      "postalCode": "10025",
      "countryCode": "US"
    },
    "receivingBank": {
      "name": "First Bank of Business",
      "identification": "021214862",
      "idQualifier": "01",
      "countryCode": "US"
    }

Explore API Documentation



{
  "sourceSenderId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
  "sourceSenderName": "Smiths",
  "sourceMcc": "5434",
  "requestId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
  "cardToken": "12975twtr423hbs34bn670103",
  "amount": 10
}

Explore API Documentation

Ready to get started?

Whether you're launching your first embedded product or scaling to millions of customers, Cross River has the infrastructure, capital, and expertise to help you get there.

Get In Touch

Explore Documentation

Financial infrastructure for a more connected world

Full Suite Financial Platform

Agentic Finance

Launch debit and credit programs, and virtual cards for AI agents with BIN sponsorship from a trusted bank partner

Embedded Finance

Build and scale FDIC-insured account programs

Onchain Finance

Build, move, and settle value onchain without compromising bank-grade controls

Card Issuing & Processing

Launch debit, credit or prepaid card programs

Bank Rails

Move money conveniently and across any payment rail — globally, securely, and at scale.

Card Payments

Accept, process and access card payments with global card networks

Marketplace Lending

Launch, scale and monetize lending programs

Principal Financing

Launch, scale and monetize lending programs

CRB Securities

A Leading Fintech Investment Bank

Purpose-Built Solutions

Global Businesses

Onchain Finance

Agentic Commerce

Social Platforms

Merchant Platforms

Retailers

Gaming Industry

Marketplace Lending

Neobanks

Merchant Acquirers

Partnering with leading companies to power big ideas

+81

+300%

$32Bn+

News & Insights

Is Your Infrastructure Agent-Accessible or Agent-Ready?

Is Your Infrastructure Agent-Accessible or Agent-Ready?

Cross River to Acquire Accrue, Expanding Financial Infrastructure with Integrated Wallet Capabilities

Cross River to Acquire Accrue, Expanding Financial Infrastructure with Integrated Wallet Capabilities

Cross River Embeds Ripple USD Stablecoin on the XRP Ledger into its Core Banking Infrastructure, Expanding Faster Payment Capabilities for Businesses

Cross River Embeds Ripple USD Stablecoin on the XRP Ledger into its Core Banking Infrastructure, Expanding Faster Payment Capabilities for Businesses

Technology is at the core of what we do

Ready to get started?