The partner network where fiat moves at the speed of digital assets
With always-on settlement across trusted Cross River partners, CRNow enables secure, fast, and reliable money movement — aligned with the pace of today’s digital economy.
Real-time, all the time
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Real-time payments, 24/7/365
Transfer funds and settle transactions within Cross River’s robust partner ecosystem in real-time; anytime any day.
Effortless integration
Add CRNow to your existing Instant Payments setup with minimal coding effort.
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Easy internal transfers
Transfer funds between COS2 recipients, bypassing delays with wires and ACH.
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Confidence in every transaction
Partner with Cross River for secure transactions with vetted partners and reliable dispute resolution.
Join partners already connected to Cross River's partner network
Instant funds in action
Digital assets
Digital asset platforms operate around the clock and require immediate trade settlement to meet user expectations. With CRNow integration, payments between Cross River partners that once faced banking-hour delays can be completed in real-time, unlocking liquidity and improving capital efficiency.
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Gaming
Gaming providers require immediate payouts to maintain seamless player experiences. With CRNow integration, payments between Cross River partners that traditionally take days can be processed in seconds, improving cash flow management and enabling business scaling opportunities.
FAQs
What is the per-transaction limit for CRNow?CRNow has no inherent transaction limits. Limits are set individually for each partner by Cross River.
Who can I send transactions to using CRNow? Transactions can be sent to approved Cross River partners that you have a business relationship with. Please contact your Relationship Manager to confirm eligibility and for enablement. Is CRNow available 24/7, including weekends and holidays?
Yes, CRNow is available 24/7/365, allowing you to send and receive funds in real-time at any time, including weekends and holidays.
How does Cross River route transactions between RTP®, FedNow®, and CRNow?
CRNow intelligently routes transactions based on factors such as the routing number’s eligibility on each network, the receiving account number, and partner configuration settings. This ensures seamless and efficient fund transfers across the appropriate payment rail.
I am not using RTP® or FedNow®. Can I use CRNow and send money to a Cross River Partner?
Yes. You don’t have to be integrated with RTP® or FedNow® to be able to use CRNow. You will still need to integrate with our Instant Payments API to use CRNow. I am already integrated with RTP® and FedNow®. What do I need to do to use CRNow?
Most of your integration is already done. You will use the same ‘Instant Payments API’ to originate CRNow transactions. Please refer to our API documentation for more information.
1 Limits are partner-specific and set by Cross River.
2 Cross River Operating System.
