Headquartered in Fort Lee, New Jersey, Cross River Bank (Member FDIC, New Jersey State-Chartered) operates as a leading sponsor bank, combining a tech-forward API core with an institutional balance sheet. Built to eliminate the gap between fintech innovation and capital markets, Cross River provides end-to-end financial infrastructure for leading digital lenders, payment platforms, and digital asset networks.

Operating on its proprietary event-driven API engine—the Cross River Operating System (COS)—the bank delivers a single integration point for programmatically opening accounts, issuing credit and debit cards, originating loans, and clearing payments across every major domestic rail. Beyond banking APIs, Cross River provides capital markets advisory via CRB Securities, supporting credit facilities, private placements, and asset-backed securitizations (ABS) to help platform partners scale their loan portfolios seamlessly.

• Proprietary COS API Platform: Event-driven REST API core delivering real-time sub-ledgering, instant event webhooks, and automated compliance routing.

• Marketplace & Platform Lending: Turnkey loan origination, underwriting sponsorship, and loan servicing frameworks for consumer installment, POS financing, BNPL, and SMB credit.

• Capital Markets Execution: Integrated investment banking services through CRB Securities, offering credit warehouse facilities, loan sale arrangements, and ABS securitization advisory.

• Multi-Rail Payment Gateway: Direct clearing across FedNow, RTP, ACH, Same-Day ACH, Fedwire, and Visa Direct / Mastercard Send push-to-card rails.

• Digital Asset & Crypto Infrastructure: Institutional 24/7 fiat clearing, stablecoin reserve management, and compliant fiat-to-crypto gateway rails.

Key Features

• Nationwide Credit Sponsorship: Full regulatory and state interest rate exportation authority to originate loans across consumer, point-of-sale, and commercial asset classes.

• Full-Stack Card Program Issuing: Direct principal card issuing sponsorship for virtual and physical debit, credit, and prepaid cards backed by real-time authorization webhooks.

• Institutional Liquidity & Capital Distribution: Ability to hold loans on balance sheet or structure seamless secondary market distribution to institutional credit investors.

• Comprehensive 24/7 Payment Engine: API access for instant payouts, loan disbursements, merchant settlements, and real-time account-to-account transfers.

• Embedded Regulatory Governance: Fully integrated compliance infrastructure covering CIP/KYC, Fair Lending monitoring, TILA/RESPA disclosures, and BSA/AML risk management.