Onchain Finance
Build, move, and settle value onchain without compromising on bank-grade controls. We combine fiat rails, stablecoin payments, and crypto-native products in one platform.
Join others already building crypto-native infrastructure
What we support today
Fiat services
Corporate accounts, traditional and instant payment rails for wallet funding, and 24/7/365 instant funding and settlement between accounts
Stablecoin payments
USD ↔ stablecoins across payment modalities, with full fiat-stablecoin interoperability, pre-settlement compliance, real-time mint/burn, treasury controls, and automated reconciliation
Crypto-linked cards
Card programs that support stablecoin settlement and crypto rewards
Network settlement
Settle issuing and acquiring obligations entirely in stablecoin
7 day merchant settlement
Offer merchants faster, 24/7/365 settlement by leveraging stablecoin rails instead of waiting for traditional banking cutoffs and batch processing
Crypto-backed loan financing
Financing for short-duration, over-collateralized loans backed by onchain collateral
“Cross River’s API-first infrastructure and regulatory footprint perfectly complement Transak’s global reach and crypto-native compliance systems.”
Solutions in action
CRNow
Always on settlement within our partner network:
- Real-time payments 24/7/365
- Interoperable with FedNow® & RTP® via one API
- Secure, in-network transactions
On/Off ramp
Real-time conversion between fiat and digital assets:
- Fund crypto platforms from fiat accounts
- Convert crypto back to fiat with direct integrations
- Governed by bank-grade compliance frameworks
Crypto enabled cards
Digital assets for everyday spending:
- Liquidity for digital assets
- Crypto rewards and global acceptance
- Debit, prepaid, and credit options for everyday spending
Why Cross River
Good funds model
Eliminate prefunding; executes onchain only after funds and compliance clear, ensuring efficient capital use and verified settlement
Interoperability
Move between bank accounts, cards, and wallets without idle capital
Direct liquidity access
Real-time mint/burn with issuer connectivity; treasury guardrails control exposure in minutes, not days
CRNow instant settlement
Settlement across card, account, and onchain rails, available 24/7/365
Fiat accounts
Send and receive stablecoins directly from the same bank accounts used for fiat. No additional wallets or ledgers required.
*These Cross River services are currently only available in limited states.