Cross River
Cross River provides a full-suite banking platform that combines a proprietary API-driven bank core with FDIC-insured accounts, multi-rail money movement, card issuing, and lending infrastructure. Through a single integration, fintech platforms, neobanks, and merchant platforms can launch embedded financial products, including stablecoin payments and virtual cards for AI agents. The platform supports real-time rails like RTP and FedNow alongside traditional ACH and wire transfers, all with bank-regulated compliance built in.
- Financial Technology
- Blockchain & Cryptocurrency
- Software Only
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Companies building financial products often face fragmented banking infrastructure, requiring multiple integrations for accounts, payments, cards, and lending. This complexity slows product launches and forces platforms to manage compliance, capital, and payment rails separately rather than focusing on their core user experience.
Solution
Cross River provides a full-suite banking platform that combines a proprietary API-driven bank core (COS) with FDIC-insured accounts, multi-rail money movement, card issuing and processing, and lending infrastructure. Through a single integration, partners can launch neobanks, merchant platforms, crypto solutions, and agentic commerce applications. The platform supports stablecoin payments, real-time rails like RTP and FedNow, and traditional ACH and wire transfers, all with bank-regulated compliance built in. Cross River also offers BIN sponsorship for debit, credit, and prepaid card programs, including virtual cards for AI agents, and capital solutions for scaling lending portfolios.
Target Audience
Primary customers are fintech platforms, neobanks, merchant platforms, digital lenders, crypto companies, and other businesses that need embedded banking, payments, and lending infrastructure to serve their own end users.
Features
- Proprietary API-driven bank core (COS) enabling single-integration access to accounts, payments, cards, and lending
- Multi-rail money movement across ACH, Same-Day ACH, wires, RTP, FedNow, and stablecoin payments
- FDIC-insured deposit accounts with unlimited subledgers and automated deposit sweeps for expanded insurance coverage
- BIN sponsorship for debit, credit, prepaid, and virtual card programs, including cards for AI agents
- Stablecoin-enabled accounts, on/off ramps, and stablecoin-linked cards for onchain finance
- Bank-supervised origination with 100% loan-level underwriting and automated loan participation, settlement, and reconciliation
- Capital solutions including ABS issuance, loan sale advisory, and private placements through CRB Securities