# Cross River Bank > Enable finance for infinite possibilities Cross River provides API-driven banking infrastructure enabling embedded financial services including payments, lending, card programs, and cryptocurrency solutions. Cross River operates a proprietary real-time banking core platform that delivers embedded financial services to fintech and technology companies. The platform provides payment rails including ACH, wires, RTP, and FedNow, card issuing and processing capabilities, digital lending infrastructure, and cryptocurrency banking services. Cross River enables partners to access banking functionality through API integrations while maintaining federal regulatory compliance. - Type: Company - Sector: Finance - Status: Active - Founded: 2008-06-01 - Profile: https://thegrid.id/profiles/cross_river_bank ## Products - [Cross River Stablecoin Payments](https://thegrid.id/profiles/cross_river_bank): Cross River Stablecoin Payments unifies fiat and stablecoin transaction flows through a single API-driven infrastructure integrated with Cross River's real-time banking core. The system enables automatic conversion between USD and approved stablecoins via ACH, wire transfers, and instant payment rails including RTP and FedNow. Users access network settlement, merchant payouts, on/off ramp functionality, and treasury management capabilities through bank-grade compliance frameworks with 24/7 settlement and real-time mint/burn operations. (Payments Infrastructure & Orchestration, Live, Main Product) - [Cross River Banking Platform](https://thegrid.id/profiles/cross_river_bank): Cross River Banking Platform is an API-based financial services platform that enables fintechs, neobanks, and enterprises to embed banking services into their products. The platform runs on the proprietary Cross River Operating System (COS) and provides FDIC-insured deposit accounts, multi-rail payment capabilities including ACH, wire, RTP, FedNow, and push-to-card, and acquiring BIN sponsorship through a unified API integration. (Financial Services Platform, Live) - [Cross River Card Issuing](https://thegrid.id/profiles/cross_river_bank): Cross River Card Issuing is a card issuance platform that enables companies to build and scale debit, credit, and prepaid card programs through BIN sponsorship with Visa and Mastercard networks. The platform is processor-agnostic, allowing partners to bring their own processor or use an integrated option, and supports virtual cards, unlimited subledgers, and advanced authorization controls. (Card issuance, Live) - [Cross River Digital Lending](https://thegrid.id/profiles/cross_river_bank): Cross River Digital Lending is a centralized lending platform that enables fintechs to launch and scale loan programs through API-based origination, underwriting, compliance oversight, and capital markets solutions. The platform supports the full loan lifecycle from application to securitization and sale, including crypto-backed loan financing for short-duration, over-collateralized loans backed by onchain collateral. (Centralised Borrowing & Lending, Live) - [Cross River CRNow](https://thegrid.id/profiles/cross_river_bank): Cross River CRNow is a payment network that combines fiat rails with stablecoin settlement and crypto-native payment capabilities for fintechs, exchanges, and crypto platforms. The product provides USD-to-stablecoin conversion with real-time mint and burn, crypto-linked card programs, network settlement in stablecoins, and fiat on and off ramp services through bank-grade compliance infrastructure. (Payment network, Live) ## Links - [Main](https://www.crossriver.com) - [Documentation](https://docs.crossriver.com) - [Blog](https://www.crossriver.com/insights) - [Documentation](https://www.crossriver.com/newsroom) - [Privacy policy](https://www.crossriver.com/legal/privacy-policy) - [Terms of Service](https://www.crossriver.com/legal/terms-of-service) - [Twitter / X](https://x.com/crossriverbank) - [LinkedIn](https://linkedin.com/company/cross-river-bank) - [Instagram](https://www.instagram.com/crossriver_) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation. Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service. The following applies to both licensing models. - All data is provided AS IS with no guarantees of accuracy. - The Grid does not provide investment, legal, or tax advice, and - a project's presence in The Grid's data does not imply endorsement. - [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers - [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service. - [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service. - [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services. - [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures ## Optional - [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model - [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships - [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type - [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types - [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP