Chartered API bank and BaaS platform for fintech partners, not a middleware layer on someone else's charter. Contact Sales is the partner intake. Sandbox credentials follow a credential request with static IP allowlisting. Production still needs compliance, risk, and implementation work with the bank. Cross River Bank holds the New Jersey charter and FDIC membership on its own FAQ, privacy, and footer disclosures.
What it is
Cross River is Cross River Bank’s New Jersey state-chartered, FDIC-insured bank and API-based banking platform for companies that want to embed accounts, money movement, and card programs on bank-owned infrastructure. Live marketing brand is Cross River. Legal name on Terms, Privacy Notice, Privacy Policy, FAQs, footer, and product schema: Cross River Bank. Canonical marketing domain confirmed live: https://www.crossriver.com/ (HTTP 200 at research; https://crossriver.com/ and https://www.crossriverbank.com/ redirect to the same host). Page title: Cross River | API-Based Financial Solutions for Business. Homepage H1: Enable finance for infinite possibilities. Homepage byline: Cross River’s trusted platform delivers banking infrastructure for the boldest builders to reimagine finance. FAQs: Cross River is a technology-driven financial services organization that provides core infrastructure and embedded financial solutions with regulatory compliance; API-based banking platform with lending, payments, risk management, and Banking-as-a-Service (BaaS) offerings. Developers / COS: A proprietary API-driven bank core; Connect to lending, payments, cards, accounts, and compliance infrastructure through a single operating system. Footer: Copyright © 2026 Cross River Bank | Member FDIC | Equal Housing Lender.
Partner banking product surfaces on the current site used for this listing: Accounts (/products/accounts) for FDIC-insured checking, savings, certificate of deposit, and custodial programs with unlimited subledgers and multi-rail money movement; Automated Deposit Sweeps (/products/automated-sweeps) for expanded FDIC coverage via IntraFi network placement through COS APIs; Bank Rails (/products/bank-rails) and related Instant Payments (/products/instant-payments), ACH (/products/ach), and CRNow (/products/crnow) for ACH, wires, RTP®, FedNow®, and CRNow through a single API story; Card Issuing & Processing (/products/card-issuing-processing; /products/card-issuing redirects here) for debit, credit, and prepaid with BIN sponsorship and bring-your-own or Cross River processor optionality; Card Payments (/products/card-payments) for push-to-card, pull-from-card, and acquiring-oriented card payment flows; Card Processing (/products/processing) and Acquiring BIN (/products/acquiring-bin) as related card stack pages. Developers surface: /developers and /developers/cos. Docs: https://docs.crossriver.com/ (Welcome / Quickstart). Sandbox API host printed in developer curl examples: https://sandbox.crbcos.com/.
This page is Cross River banking infrastructure for fintech partners: FDIC-insured accounts at Cross River Bank, Bank Rails money movement, and card issuing or processing where Cross River is the bank. Adjacent products are Cross River’s. They are not this page. Marketplace Lending depth (/products/marketplace-lending and digital lending packaging), Principal Financing (/products/principal-financing), CRB Securities investment bank packaging (/products/crb-securities), and Crypto / Onchain / stablecoin-only packaging (/solutions/crypto, /products/stablecoin-payments, and related onchain finance nav) are Cross River’s. They are not this page.
Who it’s for
Shapes from Cross River homepage, Accounts, Bank Rails, Card Issuing, Card Payments, Neobanks, Contact Sales, About Us, FAQs, Developers / COS, and docs Quickstart:
- Fintechs and software companies embedding banking primitives, which homepage Full Suite Banking Platform and FAQs BaaS copy sell as partners that build on COS for accounts, payments, cards, and related banking infrastructure with Cross River compliance and risk oversight.
- Neobanks, social platforms, merchant platforms, and wallet builders needing FDIC-insured accounts and rails, which Accounts, Automated Sweeps, Neobanks (/solutions/neobanks), and Social Platforms sell as programs that open checking, savings, custodial, or purpose-built accounts at Cross River, attach unlimited subledgers, move money on contracted rails, and optionally expand FDIC coverage through automated sweeps.
- Companies issuing debit, credit, or prepaid cards with BIN sponsorship, which Card Issuing sells as Visa and Mastercard member BIN sponsorship, processor-agnostic issuance (bring your own processor or use Cross River’s), virtual cards (including agentic virtual-card packaging on homepage), and Advanced Authorization controls.
- Payments and payout platforms needing multi-rail money movement, which Bank Rails, Instant Payments, ACH, and Card Payments sell as ACH and Same-Day ACH, wires, RTP and FedNow instant rails, CRNow partner-network settlement, Request for Payment (RfP) pay-ins, and push-to-card disbursements.
Partner intake is Contact Sales (https://www.crossriver.com/contact-sales; /contact-us 301s here). Contact Sales: Cross River is the leading partner bank for businesses and innovators building the future of financial services; HubSpot form intake; copy names payments, accounts, cards, and lending plus capital solutions and commercial banking. Homepage and product CTAs also push Ready to get started / partner with Cross River’s compliance, risk management and implementation teams. Docs Quickstart: request API credentials for sandbox; static public IP must be allowlisted; credentials arrive in two encrypted emails (client_id / partner_id and client_secret / webhook_secret); then obtain an access token and call APIs. Docs Sandbox: free, fully featured isolated test environment; requests never reach banking or card networks; no real money moves. Docs Sandbox and production differences: production uses configured product and program setup, live customer data, and real funds. Homepage Build / Deploy / Scale: Access our sandbox environment and explore our APIs; Partner with Cross River’s compliance, risk management and implementation teams to bring your products to market. That is not a public self-serve live production start for a new program with no bank diligence.
It is a fit for a US fintech or software company that wants accounts, rails, and optional cards at a New Jersey state-chartered FDIC-insured bank inside the product, will complete Cross River sales intake and diligence, and wants the charter to sit with Cross River Bank rather than with a separate unnamed sponsor.
Standout details
- Brand, domain, and product URL (as printed). Official marketing name on live pages: Cross River. Legal: Cross River Bank. Schema on product pages prints legalName Cross River Bank. Canonical site: https://www.crossriver.com/ (HTTP 200 at research). Confirmed product URLs used here: /products/accounts, /products/automated-sweeps, /products/bank-rails, /products/instant-payments, /products/ach, /products/crnow, /products/card-issuing-processing, /products/card-payments, /products/processing, /products/acquiring-bin, /products/marketplace-lending, /products/principal-financing, /products/crb-securities, /solutions/neobanks, /solutions/crypto, /developers, /developers/cos, /about-us, /company, /company/compliance, /contact-sales, /faqs, /legal/privacy-policy, /legal/privacy-notice, /legal/terms-of-service, /legal/fdic. Docs: https://docs.crossriver.com/. Sandbox host in public curl examples: sandbox.crbcos.com. /pricing returned 404 at research. No public rate card was found.
- Accounts, subledgers, and FDIC (as printed). Accounts: Launch and scale checking, savings, custodial, and purpose-built account programs; FDIC insured accounts with deposit sweep capabilities; unlimited subledgers; multi-rail API-based money movement; compliance and regulatory oversight. COS docs and Developers: open DDA accounts via POST /core/v1/dda/accounts; create subledgers via POST /core/v1/dda/subaccounts linked to a master account. Automated Sweeps: expanded FDIC coverage through participating IntraFi network institutions; single COS integration; Cross River manages placement workflows; API visibility into institution placements; daily automated settlement with IntraFi via wire (vendor copy). Accounts banner and Member FDIC page: FDIC-Insured - Backed by the full faith and credit of the U.S. Government; basic insurance $250,000 per depositor, per insured institution. Treat sweep “millions in FDIC insurance” marketing as vendor coverage copy, not an audited figure on this listing.
- Bank Rails and money movement (as printed). Bank Rails: RTP®, FedNow®, CRNow, Wires, ACH through one API story; interoperable instant payments; unlimited subledgers; Request for Payment (RfP) for instant pay-ins on RTP. ACH page schema: Move funds on the Federal Reserve ACH network via COS; Same-Day ACH marketed with direct connection to the Fed; credit and debit; webhooks; IAT named in keywords. Instant Payments schema: RTP, FedNow, and CRNow via a single API; 24/7 settlement marketing; vendor-printed per-transaction limit copy on that schema (do not treat as independently audited). Card Payments: push-to-card and pull-from-card across Visa, Mastercard, and regional networks; acquiring solutions block. CRNow: partner-network always-on settlement packaging adjacent to core Fed rails when the Vert job is standard US bank rails.
- Card issuing and processing (as printed). Card Issuing: debit, credit, prepaid; Cross River is a member of Visa and Mastercard; issuing BIN sponsorship; bring your own processor or use Cross River’s; virtual cards; Advanced Authorization. Homepage also markets Virtual Cards for AI Agents with BIN sponsorship. Card Processing (/products/processing): processor-agnostic / COS-integrated processing path. Acquiring BIN: acquiring BIN sponsorship for ISOs, Payfacs, Marketplaces, ISVs, and mobile wallet providers. Card depth beyond accounts-and-rails embedding is still in scope for this banking listing when the job includes BIN-sponsored issuing at Cross River; deep merchant-acquiring packaging is adjacent when the Vert job is deposit accounts only.
- Ops, sandbox, and pricing. CTAs: Contact Sales, Ready to get started, Documentation / Developers. Docs: sandbox credential request (not an instant public dashboard register with no bank step); static IP allowlist required; credentials emailed; sandbox free and isolated with no real money movement. Production differs: live program configuration, live customer data, real funds. Homepage explicitly pairs sandbox exploration with compliance, risk, and implementation partnership to go to market. Public pricing: not published. Homepage metric chips include $32Bn+ consumer loans facilitated since 2019 (vendor claim about lending volume, not a platform price). This listing does not reprint a fee schedule.
- Charter and license posture (as printed). Cross River Bank is the bank. FAQs: New Jersey state-chartered FDIC insured bank. Footer and Member FDIC page: Member FDIC. Privacy Notice: Cross River Bank FACTS notice. Privacy Policy and Terms: Cross River Bank; Fort Lee, NJ notice address; New Jersey governing law on Terms. Frontmatter headquarters uses Fort Lee, NJ from Privacy Policy / Terms Legal Department address (2115 Linwood Ave., Fort Lee, NJ 07024). Terms also print a Teaneck, NJ Notice Address for pre-arbitration notices. About Us: opened doors in June of 2008 with a new bank charter.
- Company facts (as printed). FAQs and About: founded 2008 in New Jersey; opened June 2008. CEO: Gilles Gade, Founder, CEO and Chairman. About names early lending technology partnerships including Affirm, Marlette, Rocket Loans, Upgrade, and Upstart. Proprietary core COS built in-house. Contact Sales copy: Trusted by 100+ fintech brands and enterprises (vendor claim). Developers reliability tile: ~99.9% historical uptime (vendor claim). Treat volume, uptime, and partner-count figures as Cross River-printed claims, not independently audited operating metrics on this listing.
- Named on current Cross River surfaces (vendor-named): X / X Money (Accounts and Automated Sweeps spotlight: Cross River powers X Money), Current (Accounts quote, Stuart Sopp), Stripe (Card Issuing quote, John Piazza), Plaid (Bank Rails / Instant Payments quotes). About historical lending partners named above. Attribute as Cross River-named stories and quotes, not independent verification.
- Adjacent modules. This page is Cross River banking infrastructure for fintech partners (Accounts, Bank Rails, Card Issuing / Processing). Adjacent products are Cross River’s. They are not this page. Marketplace Lending origination-to-sale depth, Principal Financing credit and seasoning facilities, CRB Securities capital raising and advisory, and Crypto / stablecoin / onchain-only packaging sit next to the core partner banking job.
Sources: crossriver.com, Accounts, Automated Sweeps, Bank Rails, Instant Payments, ACH, CRNow, Card Issuing & Processing, Card Payments, Processing, Acquiring BIN, Marketplace Lending, Principal Financing, CRB Securities, Neobanks, Crypto Solutions, Developers, COS, About Us, Company, Compliance, Contact Sales, FAQs, Privacy Policy, Privacy Notice, Terms of Service, Member FDIC, Docs Welcome, Quickstart, Get API credentials, Sandbox, Sandbox and production differences, Accounts APIs.
Honest verdict
Cross River is the listing to read when the job is API banking / BaaS at a New Jersey state-chartered FDIC-insured bank: FDIC-insured accounts (checking, savings, CD, custodial) with subledgers and optional automated sweeps, Bank Rails (ACH, wires, RTP, FedNow, CRNow), and optional debit, credit, or prepaid card programs with BIN sponsorship, with Cross River Bank holding the charter and program bank oversight rather than sitting as middleware on another bank’s charter. Marketplace Lending depth, Principal Financing, CRB Securities, and Crypto / onchain-only packaging are adjacent Cross River surfaces. They are not this page.
What it is not: a published platform rate card, a fully self-serve live production start with no bank diligence, or a consumer retail branch bank brand page. Contact Sales is the partner intake. Sandbox credentials follow a documented request plus static IP allowlisting. Live money still needs Cross River compliance, risk, implementation, and program go-live. If you will not complete Cross River bank diligence, stop. If the job is accounts, rails, and optional cards where the sponsor bank is Cross River, start here.