What is Cross River?

Cross River develops technology infrastructure and Application Programming Interfaces (APIs) that enable third-party technology and fintech companies to embed banking products directly into their services.

The platform addresses the following use cases:

• Embedded Financial Services: Companies can open accounts, issue payment cards, and originate consumer or business loans under their own brand.

• Payment Processing: The system facilitates money movement across traditional banking rails, real-time payment networks, and stablecoin networks.

• Regulatory Compliance: The organization acts as the lender of record and licensed banking entity, handling compliance, Know Your Customer (KYC) checks, and fraud monitoring for its partners.