Cross River

The primary activity of Cross River is to provide a modern, comprehensive banking platform focused on technological infrastructure for financial services. The company offers a wide range of products and services, including:

• Payments: payment solutions (ACH, wire transfers, real-time payments, card payments, international payments, stablecoins), card issuance and processing (debit, credit, prepaid), merchant acquiring services.
• Digital lending: digital lending solutions, from origination to securitization, with automated servicing, regulatory compliance and asset financing.
• Bank accounts: FDIC-insured checking and savings accounts, accessible via API, with multi-subaccount management.
• Crypto and on-chain finance: integration of fiat rails and stablecoins, payment and on/off-ramp solutions for digital wallets, crypto-native products with banking controls.
• Principal financing: asset financing, credit solutions and loan retention to support business growth.
• Investment banking (CRB Securities): capital raising services, M&A advisory, ABS issuance and loan sale advisory for the fintech ecosystem.

Cross River primarily serves fintechs, neobanks, digital lenders, merchant acquirers, gaming operators, institutional credit investors, and developers seeking to integrate banking services via API. Its platform aims to enable these players to launch, scale and monetize innovative financial products quickly, while ensuring security, compliance and flexibility.