Enable finance for infinite possibilities

Cross River's platform delivers modern banking infrastructure for the boldest builders.

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Full Suite Banking Platform

Crypto

Build, move, and settle value onchain without compromising bank-grade controls

We combine fiat rails, stablecoin payments, and crypto-native products in one platform.

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Bank Rails

Move money conveniently and across any payment rail — globally, securely, and at scale.

Power fast, reliable payments across ACH, wires, and real‑time networks through a single API that lets customers pay and get paid on their terms.

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Card Payments

Accept, process and access card payments with global card networks

Enable push‑to‑card and card‑based payments through Visa, Mastercard, and regional networks — delivered on Cross River’s modern payment stack.

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Card Issuing and Processing

Build and scale card programs on a flexible, processor-agnostic issuing platform

Bring your own processor or use Cross River's, giving you optionality you need over card experiences and BIN sponsorship.

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Digital Lending

Launch, scale and monetize lending programs

From origination and servicing to securitization and sale, Cross River powers differentiated lending experiences.

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Accounts

Build and scale checking, savings, and purpose-driven account programs

Cross River's banking core supports FDIC insured business and consumer accounts, with unlimited subledgers, for multi-rail API-based money movement.

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Principal Financing

Asset based financing to accelerate growth

Cross River offers financing for cashflow producing assets, including: credit and seasoning facilities, loan retention and purchases.

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CRB Securities

A Leading Fintech Investment Bank

CRB Securities, a Cross River company, provides a suite of capital raising and advisory services to the fintech ecosystem, including private placements, M&A, ABS issuance, and loan sale advisory.

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Purpose-Built Solutions

We help businesses launch faster, scale securely, and unlock new financial experiences. Explore how tailored solutions bring new possibibilites to life.

Neobanks

Our full-service bank core with supports neobanks with access to accounts, payments, cards, and lending infrastructure, all through a single integration.

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Digital Lenders

From origination to sale and securitization, Cross River’s end-to-end solution enables digital lenders to scale their online lending businesses.

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Merchant Acquirers

Cross River’s cutting-edge payments infrastructure powers seamless merchant acquiring and payments experiences.

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Gaming Industry

From in-game purchases to instant payouts, Cross River powers gaming operators with secure, compliant infrastructure that keeps play moving and transactions running smoothly.

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Institutional Credit Investors

Sitting at the hub of fintech lending, Cross River is uniquely posiitioned to tailor capital solutions throughout a company's lifecycle and up and down the capital stack.

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News & Insights

Stay up to date with the latest product launches, industry insights, and media coverage from Cross River.

Read the latest from Cross River

The Quiet Transformation of Social Platforms

Viewpoint

Jan 12, 2026

min read

Embedded finance could be social media’s most powerful update yet, and everyone should be talking about it.

Stablecoins: The Rail Above Rails

Product innovation

Viewpoint

Dec 10, 2025

min read

We’ve integrated stablecoin rails directly into our core banking system, making them interoperable with other rails.

What Compliance Leaders Can’t Ignore About Blockchain and AI

Viewpoint

Dec 10, 2025

min read

Partnering with leading companies to power big ideas

See All Case Studies

Built for Developers

Technology is at the core
of what we do

Build.

Deploy.

Scale.

Access our sandbox environment and explore our APIs. Cross River's solutions are ready to power the banking, payments and lending services you need to scale.

Partner with Cross River's compliance, risk management and implementation teams to bring your products to market.

Once connected, always connected. Cross River's proprietary API-driven banking core seamlessly propels your growth. Expand your customer base and meet growing demands through additional product integrations.



{
  "Loan": {
    "LoanNumber": {{loanNumber}},
    "IssuingBankId": "CRB",
    "Platform": "string",
    "LoanType": 1,
    "NoteDate": "2019-12-31",
    "BorrowerLastName": {{$randomLastName}},
    "BorrowerFirstName": {{$randomFirstName}},
    "BorrowerDOB": "1986-12-31",
    "BorrowerSSN": {{borrowerSSN}},
    "BorrowerAddress": {{borrowerAddress}},
    "BorrowerCity": {{$randomCity}},
    "BorrowerState": {{borrowerState}},
    "BorrowerZip": {{borrowerZip}},
    "LoanAmount": 1500,
    "NetFunding": 1300,
    "Rate": 0.2,
    "APR": "10",
    "BatchId": "string",
    "BorrowerPhone": {{$randomPhoneNumber}},
    "BorrowerEmail": {{$randomEmail}},
    "Amortization": 0,
    "Term": 36,
    "RateType": 0,
    "PriorLoanFlag": "string",
    "FICO": 10,
    "FICODate": "2017-12-31",,
`

Explore API Documentation



{
  "accountNumber": "1234567890",
  "receiver": {
    "routingNumber": "021000021",
    "accountNumber": "456789000",
    "accountType": "Checking",
    "name": "Bob Smith",
    "identification": "XYZ123",
  },
  "secCode": "IAT",
  "description": "Payment",
  "transactionType": "Push",
  "amount": 10000,
  "serviceType": "Standard",
  "iatDetails": {
    "receiver": {
      "address": "123 Maple St",
      "city": "New York",
      "state": "NY",
      "postalCode": "10025",
      "countryCode": "US"
    },
    "receivingBank": {
      "name": "First Bank of Business",
      "identification": "021214862",
      "idQualifier": "01",
      "countryCode": "US"
    }

Explore API Documentation



{
  "sourceSenderId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
  "sourceSenderName": "Smiths",
  "sourceMcc": "5434",
  "requestId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
  "cardToken": "12975twtr423hbs34bn670103",
  "amount": 10
}

Explore API Documentation

Ready to get started?

We bridge the best of both worlds. The technology support you want, combined with the banking expertise you need to create a customized banking solution no matter what your business needs may be.

Get In Touch

Explore API Documentation

Enable finance for infinite possibilities

Full Suite Banking Platform

Crypto

Build, move, and settle value onchain without compromising bank-grade controls

Bank Rails

Move money conveniently and across any payment rail — globally, securely, and at scale.

Card Payments

Accept, process and access card payments with global card networks

Card Issuing and Processing

Build and scale card programs on a flexible, processor-agnostic issuing platform

Digital Lending

Launch, scale and monetize lending programs

Accounts

Build and scale checking, savings, and purpose-driven account programs

Principal Financing

Asset based financing to accelerate growth

CRB Securities

A Leading Fintech Investment Bank

Purpose-Built Solutions

Neobanks

Digital Lenders

Merchant Acquirers

Gaming Industry

Institutional Credit Investors

News & Insights

The Quiet Transformation of Social Platforms

Stablecoins: The Rail Above Rails

What Compliance Leaders Can’t Ignore About Blockchain and AI

Partnering with leading companies to power big ideas

+81

+300%

$950MM

Technology is at the coreof what we do

Ready to get started?

Technology is at the core
of what we do