About Cross River
FDIC-insured technology bank providing API-driven infrastructure for fintechs and enterprises. Cross River’s proprietary core (COS) supports accounts, ACH and real-time rails, card issuing and processing, digital lending, merchant acquiring, and stablecoin-enabled payments—often as a sponsor bank behind major platforms.
Products & Solutions
COS Core
API-driven bank core for accounts, subledgers, and multi-rail money movement
Payments
ACH, same-day ACH, wires, RTP®, FedNow®, international, and push-to-card
Cards
Debit, credit, and prepaid issuing; processing and BIN sponsorship
Digital Lending
Origination, underwriting, servicing, and participation or securitization workflows
Onchain & Stablecoins
Stablecoin payments, ramps, and fiat interoperability alongside traditional rails
Merchant Services
Acquiring and merchant payment processing
Solution Categories
Banking-as-a-ServicePaymentsCard IssuingAccountsLendingCrypto ServicesPayment Acquiring
Target Markets
FintechsNeobanksPlatformsLendersVertical SaaS
Deployment Options
CloudSaaS
Customers
Stripe
Payments and embedded finance programs
Plaid
Data and payments ecosystem partnerships
DailyPay
Earned wage access and payouts
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