Cross River Bank

Cross River Bank is a New Jersey-chartered bank that provides technology infrastructure enabling fintech companies, marketplace lenders, and other businesses to offer banking, payments, and lending products. It operates primarily as a banking-as-a-service (BaaS) provider, supplying the regulatory charter, compliance framework, and API-based infrastructure that partners need to embed financial services into their platforms. The bank supports services such as personal and business loans, credit card issuance, real-time and ACH payments, and Banking-as-a-Service integrations for companies like online lenders and payment processors. Its clients range from consumer lending platforms to cryptocurrency and payments companies seeking FDIC-insured banking rails without becoming banks themselves. Cross River combines traditional banking regulatory oversight with modern API connectivity to serve as a bridge between conventional financial infrastructure and technology-driven financial products.