Enable finance for infinite possibilities

Cross River's trusted platform delivers banking infrastructure for the boldest builders to reimagine finance.

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Full Suite Banking Platform

New: Virtual Cards for AI Agents

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

Flexible infrastructure that supports consumer banking, commercial expense management, and agentic transactions.

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Accounts

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.

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Crypto

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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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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Card Processing

Build and scale card programs on a flexible, processor-agnostic issuing platform

Bring your own processor or use Cross River's, giving you optionality you need over card experiences and BIN sponsorship.

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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

Asset based financing to accelerate growth

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.

Discover how

Purpose-Built Solutions

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

Social Platforms

Turn your platform’s engagement and trust into revenue. Embed payments, cards, wallets, or lending directly into the daily lived experiences of users, creators, and businesses.

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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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Institutional Credit Investors

Sitting at the hub of fintech lending, Cross River is uniquely positioned to tailor capital solutions throughout a company's lifecycle and up and down the capital stack.

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News & Insights

Stay up to date with the latest product launches, industry insights, and media coverage from Cross River.

Read the latest from Cross River

Agentic Commerce Needs Programmable Money. Stablecoins Are Already There.

Viewpoint

Aug 19, 2026

min read

AI agents can only move as fast as the money behind them. Regulated stablecoins combine programmable payments, real-time settlement, and institutional governance to make autonomous commerce both efficient and accountable.

Why We Built Automated Sweeps Directly into COS

Product innovation

Aug 18, 2026

min read

As deposits grow, complexity shouldn't. Automated Sweeps embeds expanded FDIC insurance coverage directly into Cross River's banking core, making larger-balance protection as simple as a single API integration.

We built COS to handle the next level of scale. Social platforms prove it.

Product innovation

Jul 30, 2026

min read

When word got out that we power finance for social platforms, the first question everyone asked was: how? How does a bank handle that kind of volume?

Partnering with leading companies to power big ideas

Built for Developers

Technology is at the core
of what we do

Build.

Deploy.

Scale.

Access our sandbox environment and explore our APIs. Cross River's solutions are ready to power the banking, payments and lending services you need to scale.

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.



{
  "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?

We bridge the best of both worlds. The technology support you want, combined with the banking expertise you need to create a customized banking solution no matter what your business needs may be.

Get In Touch

Explore API Documentation

Enable finance for infinite possibilities

Full Suite Banking Platform

New: Virtual Cards for AI Agents

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

Accounts

Build and scale FDIC-insured account programs

Crypto

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

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

Card Processing

Build and scale card programs on a flexible, processor-agnostic issuing platform

Marketplace Lending

Launch, scale and monetize lending programs

Principal Financing

Asset based financing to accelerate growth

CRB Securities

A Leading Fintech Investment Bank

Purpose-Built Solutions

Social Platforms

Merchant Platforms

Retailers

Gaming Industry

Marketplace Lending

Neobanks

Merchant Acquirers

Institutional Credit Investors

News & Insights

Agentic Commerce Needs Programmable Money. Stablecoins Are Already There.

Why We Built Automated Sweeps Directly into COS

We built COS to handle the next level of scale. Social platforms prove it.

Partnering with leading companies to power big ideas

+81

+300%

$32Bn+

Technology is at the coreof what we do

Ready to get started?

Technology is at the core
of what we do