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
Stablecoin acquiring services
Pay merchants directly in stablecoins, extending settlement window
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.