Cross River, founded in 2008 and headquartered in Fort Lee, New Jersey, builds the technology infrastructure that underpins a wide range of financial services. Operating as a federally regulated bank with the agility of a technology company, it serves fintech and technology firms through a proprietary API-driven banking core that handles embedded payments, card issuing, digital lending, and cryptocurrency solutions - reaching millions of consumers and businesses globally.
The platform supports both modern and traditional payment rails, including real-time money movement via the FedNow and RTP networks, as well as ACH and wire transfers. It has also integrated stablecoin payments, reflecting its positioning at the intersection of conventional banking infrastructure and emerging financial technology. Partners include Stripe, Visa, Mastercard, and Plaid.
Cross River employs over 1,600 people across offices in Fort Lee, New Jersey and Jerusalem. Its operating model combines the compliance and stability requirements of a regulated bank with a technology-first, API-driven approach - a structure that allows it to serve fintech clients who need both speed-to-market and regulatory coverage.
