Powering Fintech: Programmable money is real and it starts with wallets
Cross River
Embedded finance is wallet native
As digital assets move from the fringe to the foundation, embedded finance is evolving into a wallet-native experience—where programmable money, tokenized value, and trusted banking infrastructure converge to redefine how we access and move money globally.
GENIUS Act passes
Congress just passed the GENIUS Act—and stablecoin regulation is accelerating. The Information spoke with Cross River’s Chief Compliance Officer, Benjamin Melnicki, about what’s coming next in digital assets and how Cross River is preparing (accessible with a subscription to their free newsletter, The Briefing).
Breaking the bottleneck
Real-time rails promise speed--but what happens when liquidity can't keep up?
Instant payments are only as fast as the liquidity behind them. This article unpacks how capital constraints undermine instant payment rails—and what it takes to close the gap.
Building something new or scaling fast? We’re helping businesses close the gap with fully interoperable instant payment solutions—including instant pay-ins via RfP—built for speed, scale, and compliance. Let’s connect.
[Webinar] 2025 Mid-Year Review: Surprises & Signals Ahead
Now that we’re halfway through 2025, how are fintech trends stacking up against expectations? Join Cross River leaders as they revisit their predictions and share insights on real-time payments, embedded finance, compliance, and what’s ahead.
ISO-20022 compliant
In case you missed it, we are fully compliant with ISO 20022 messaging standards. As the industry moves away from the legacy Fedwire FAIM format, we’re already delivering richer data, improved interoperability, and seamless integration, ensuring our partners stay ahead during this transition.
Explore our wires solutions ->
Now live: new and improved Cross River docs portal
We’ve reimagined our documentation experience to help you build faster and smarter. From quick starts to in-depth product concepts, everything is designed with fintech developers in mind.
On-demand webinar: the crypto choice facing financial institutions:
Our Chief Compliance Officer, Benjamin Melnicki, joins FinXTech to unpack crypto regulation, risk, and what it means for banks exploring digital assets. Read more ->
Why used-car dealer Carvana is pushing real-time billing (ft. Cross River)
American Banker spotlights how Cross River's new Request-for-Payment (RfP) product is being used by Plaid to enable companies like Carvana to offer instant, seamless pay-in experiences. Read more ->
Explore how Cross River delivers the infrastructure that enables financial solutions.
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Disclaimer
This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for business, legal, or accounting advice.
