Social Platforms
Turn your platform’s engagement and trust into revenue by embedding payments, cards, wallets, or lending directly into daily lived experiences.
Join others already building
crypto-native infrastructure
Why embedded finance for social
Payments as a revenuestream
Bring payments in‑house and convert what used to be operational cost into scalable revenue across interchange, fees, credit, and wallet balances.
Engagement that drives monetization
Embedded finance converts time spent on‑platform into financial activity. Features like tipping, payouts, and settlements increase our engagement‑to‑monetization ratio.
Enriched end-to-end experiences
Users already pay for discovered products, support creators, and manage their businesses on your platform. Embedded finance lets them complete those moments end-to-end without leaving the experience.
“Embedding financial services builds trust and keeps users engaged by making everyday actions like paying, earning, and saving easier and more convenient inside the platform they already rely on.”
What embedded finance means for social platform users
Users
In‑app money that just works—faster funding, optional yield and hassle‑free checkout experiences.
Real-time payments 24/7/365
Interoperable with FedNow® & RTP® via one API
Secure, in-network transactions
Creators
On‑demand, instant earnings (tips, subscriptions, marketplace sales) reduce churn and improve retention.
Fund crypto platforms from fiat accounts
Convert crypto back to fiat with direct integrations
Governed by bank-grade complince framework
Businesses
Multi‑rail, programmable payouts at scale, with transparent reconciliation and controls.
Liquidity for digital assets
Crypto rewards and global acceptance
Debit, prepaid, and credit options for everyday spending
The financial foundation for disruptor platforms
Build and scale your financial stack with us
Whether you begin with cards, in-app wallets, payments, or lending, we give you a single foundation to expand your financial infrastructure.
Always on, just like your users
We operate with 99.99% uptime and true 24/7/365 availability — because social platforms don’t run on banking hours.
A bank with a tech company’s DNA
Bank‑regulated payment flows, built‑in KYC/AML, and modular APIs let you innovate quickly on a compliant foundation.
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.