Cross River Bank is a FDIC-insured, state-chartered bank headquartered in Fort Lee, New Jersey, founded in 2008. The company operates as a technology infrastructure provider offering embedded financial solutions through its proprietary API-driven banking core, COS (Cross River Operating System). Cross River delivers a comprehensive suite of products including payment solutions, card issuing and BIN sponsorship for Visa and Mastercard, stablecoin payments, on/off ramps, digital lending infrastructure, and real-time payment rails via RTP and FedNow. The company serves fintechs, digital lenders, neobanks, crypto platforms, and gaming operators, powering products for partners including Stripe, Coinbase, Upgrade, Visa, Mastercard, Affirm, Best Egg, and DailyPay. As of 2025, Cross River has facilitated over $32 billion in consumer loans since 2019 and generated $675 million in revenue.

Cross River positions itself as "The Bank Behind the Bold," providing the banking infrastructure that enables other businesses to launch financial products without obtaining their own banking charter. The company operates under a B2B (Bank-to-Fintech) model, offering white-label solutions where clients can build on Cross River's FDIC-insured foundation. In November 2025, Cross River launched stablecoin payments infrastructure, unifying fiat and stablecoin flows through a single interoperable system to enable compliant onchain finance for fintechs and crypto-native companies. The bank maintains principal memberships with Visa and Mastercard, and its growth has been backed by $1.1 billion+ in funding, including a $50 million Series D-II in January 2026, valuing the company at $3 billion as of 2022.