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
“Cross River’s API-first infrastructure and regulatory footprint perfectly complement Transak’s global reach and crypto-native compliance systems.”
Solution in action
Fiat on/off ramp
Always on settlement within our partner network:
Real-time payments 24/7/365
Interoperable with FedNow® & RTP® via one API
Secure, in-network transactions
Payroll
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 complince framework
Insurance payout
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.