Stablecoin-linked card programs
Enable your users to spend stablecoins at most merchants that accept Visa and Mastercard worldwide.
Why Stablecoin-linked card programs?
Spend stablecoins with global card acceptance
Cardholders can spend their crypto balance at merchants that already accept Visa or Mastercard. No off-ramp or additional conversion step required.
Less trapped capital
No prefunding required to bridge weekend settlement gaps that are inherent to most traditional card programs today.
One partner. Full stack.
BIN sponsorship, compliance, and stablecoin settlement under one roof so you're not stitching together a bank, a crypto custodian and a crypto exchange service.
Always-on settlement
Settle transactions 24/7/365 using approved stablecoins, without being limited by traditional banking hours.
Bank-grade infrastructure with crypto-native execution
FDIC-insured bank infrastructure with native stablecoin transaction support.
How it works
Your user holds stablecoins
Users maintain stablecoin balances in their crypto wallet.
Card transaction initiated
User makes a purchase anywhere Visa/Mastercard is accepted.
Transaction settles
Cross River's infrastructure processes transactions using stablecoin balances, with settlement across card networks in fiat.
Behind the Build: Stablecoin Payments
Use cases
Crypto exchanges & wallets
Enable your users to spend their stablecoin holdings directly without off-ramping to traditional bank accounts first.
Neobanks & fintechs
Launch a card program with 24/7 settlement and no weekend prefunding.
Global B2B spend & corporate treasury platforms
Issue cards directly against onchain treasury. Global spend, instant settlement, and no idle float.