Cross River
The bank that powers fintech.
Overview
Cross River is a US-based, FDIC-insured community bank that has become a major player in the fintech ecosystem. It provides a range of Banking-as-a-Service solutions, including payments, lending, and card issuing, to fintech companies. By combining the regulatory foundation of a bank with a modern, API-driven technology stack, Cross River enables its partners to build and scale innovative financial products.
✨ Key Features
- Payments (ACH, Wires, RTP, Push-to-Card)
- Lending-as-a-Service (Marketplace Lending)
- Card Issuing (Debit and Credit)
- Sponsor Banking
- Compliance and Risk Management
- API-driven Platform
🎯 Key Differentiators
- Technology-first approach and API-driven platform
- Deep expertise in lending and payments
- Strong focus on compliance and risk management
Unique Value: Cross River provides a single, compliant platform that enables fintechs to access a full suite of banking services, from payments to lending.
🎯 Use Cases (4)
✅ Best For
- Affirm, a leading BNPL provider, partners with Cross River for loan origination.
- Coinbase uses Cross River for some of its payment and banking services.
- Upstart, an AI-powered lending platform, leverages Cross River as a bank partner.
💡 Check With Vendor
Verify these considerations match your specific requirements:
- Companies looking for a self-service, low-touch BaaS platform
- Businesses operating outside of the United States
🏆 Alternatives
As a bank with a strong technology focus, Cross River can offer a more integrated and seamless experience than the combination of a separate BaaS provider and a sponsor bank.
💻 Platforms
🔌 Integrations
🛟 Support Options
- ✓ Email Support
- ✓ Phone Support
- ✓ Dedicated Support (All tier)
🔒 Compliance & Security
💰 Pricing
Free tier: NA
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