Embedded Banking Account Solutions
Launch and scale checking, savings, custodial, and purpose-built account programs on the infrastructure of a technology-first bank.
Accounts for every use case
Build and scale checking, savings, and purpose-driven account programs on Cross River's modern technology stack.
"We’re proud to partner with Cross River and be able to leverage our core technology to solve the complexity of multiple accounts"
Checking
Savings
Certificate of deposits
Custodial accounts
Banking accounts infrastructure
Key features
Take your deposit strategy from idea to implementation with the cutting-edge infrastructure of a technology-first, established bank.
curl -X POST
--header 'Content-Type: application/json'
--header 'Accept: application/json'
--header 'Authorization: Bearer <token>'
-d '{ \
"customerId": "59e3bc15-bbec-4990-88e9-a9a600d3296c",
"productId": "44015e68-1afb-40fc-9497-abc1014f52da",
"title": "Bob Smith",
"statementAddress": {
"street1": "123 Any Street",
"city": "Anywhere",
"state": "NY",
"postalCode": "12345",
"countryCode": "US"
}
}' 'https://sandbox.crbcos.com/Core/v1/dda/accounts'
FDIC insured accounts with deposit sweep capabilities
Unlimited subledgers
Issuing BIN sponsorship
Multi-rail API-based money movement
Compliance and regulatory oversight
Spotlight:
X Money
Cross River powers X Money as X becomes the first social media platform in the U.S. to embed payment capabilities directly into its platform.
Turn excess deposits into expanded coverage
Automatically sweep excess funds across a network of participating banks to access expanded FDIC insurance coverage, reduce operational complexity, and give customers a seamless way to safeguard large balances.
“Integrating an automated sweep feature from IntraFi directly into our offerings via APIs underscores the distinct value of our capability, enabling our clients to better serve their customers with greater peace of mind.”
Expanded FDIC coverage
Automated fund sweeps
API-driven integration
Reliable fund access
Expand Beyond Accounts
Digital Lending
Fast, compliant & nationwide origination
From application to securitization, launch and scale innovative lending solutions with Cross River’s end-to-end digital lending suite.
Bank Rails
Multi-rail payments capabilities
Leverage near real-time rails and instant payout solutions to build account funding and payments offerings.
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Acquiring BIN Sponsorship
Tech-forward BIN sponsorship
Integrated acquiring BIN solutions via API – purpose-built for ISOs, Payfacs, Marketplaces, ISVs, and mobile wallet providers.
Uses for accounts
Secured fund accounts
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Interest-bearing
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Merchants
Consumer
Commercial
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Payments accounts
