We believe every innovator deserves access to banking infrastructure
Cross River powers the world's most essential fintech and technology companies. Leveraging its proprietary real-time banking core, Cross River delivers embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses alongside growth capital.
From community bank to embedded finance powerhouse
Founded in 2008 when traditional banks were closing their doors, Cross River opened with a new bank charter, a clean balance sheet and fresh capital to deploy, providing access to financial services for businesses and consumers in need.
From one fintech partnership in 2010, Cross River has since become the leading financial infrastructure platform powering 100+ technology partners today.
"The convergence of AI, digital assets, and embedded finance is reshaping how the world moves money and the companies that will lead are those with both the infrastructure and the governance to operate at the level of complexity that is demanded."
Some of the 100+ companies we're proud to call partners
From social platforms embedding FDIC-insured accounts to global fintechs moving billions in real-time payments, Cross River powers the infrastructure behind the brands redefining financial services.
Guiding every decision we make
Our values are foundational to how we build and grow our company — one that says yes responsibly when others cannot, moves nimbly, and leads the next generation of finance.
Humility
Integrity
Creativity
Compassion
Responsibility
The next generation of finance is onchain, agentic and global
Enabled by a technology company with a bank charter, trusted to operate at machine-speed and infinite scale
Real-time decisioning and orchestration engine
Processing billions in peak-demand moments without latency, operating at scale under extreme, real-time demand
One platform across every major payment rail
Moving hundreds of billions of dollars globally across ACH, RTP®, FedNow®, cards, wires, and blockchains
Modular finance stack
Spanning lending, capital markets, accounts, and payments for businesses offering financial products
Proprietary, end-to-end infrastructure
Full control and visibility over critical financial operations; FDIC-regulated bank
Cross River in the news
Recognized by leaders
Built to serve
At Cross River, we've long believed we do well by doing good. From providing critical support to families facing emergency challenges, to continuing robust scholarship programs and financial literacy initiatives, Foundation@Cross River partners with organizations that share our vision and drive to improve the lives of others. See highlights from Cross River's 2025 Impact Report below:
200+
Organizations supported worldwide
750+ hours
Financial literacy instruction delivered by Cross River employees
$1 million
Contributed to medical facilities, enhancing security and emergency infrastructure
