Infrastructure for your next big idea
Build, launch, and scale financial products with our complete banking infrastructure.
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Full Suite of Solutions
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.
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.
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.
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.
Marketplace Lending
Launch, scale and monetize lending programs
From origination and servicing to securitization and sale, Cross River powers differentiated lending experiences.
Accounts
Build and scale checking, savings, and purpose-driven account programs
Cross River's banking core supports FDIC insured business and consumer accounts, with unlimited subledgers, for multi-rail API-based money movement.
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.
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.
Purpose-Built Product Capabilities
We help businesses launch faster, scale securely, and unlock new financial experiences. Explore how our tailored product capabilities bring new
possibilities to life.
CRNow
Real-time money movement between trusted partners, 24/7/365. No transaction limits. Settlement at the speed of digital assets.
Advanced Authorization
Custom transaction logic and fraud rules integrated into your platform. Control approvals while leveraging Cross River's infrastructure.
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Request for Payment (RfP)
Instant pay-in powered by RTP®. Customers authorize, funds move immediately. Secure push payments with 24/7 settlement.
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Wires Drawdown
Request funds proactively through formal wire requests. Reverse wire functionality for streamlined B2B collections and payment initiation.
Early adopter of crypto solutions
Onchain finance infrastructure connecting fiat rails, stablecoin payments, and crypto-native products with bank-grade compliance and instant settlement.
“Cross River’s API-first infrastructure and regulatory footprint perfectly complement Transak’s global reach and crypto-native compliance systems.”
