Cross River Bank

Cross River Bank is a Fort Lee, New Jersey-based FDIC-insured bank that has built one of the most sophisticated Banking-as-a-Service platforms in the United States, providing fintech companies with the bank sponsorship, compliance infrastructure, and credit facilities they need to launch consumer and business financial products. Cross River's technology platform enables fintech partners — including Affirm, Coinbase, Stripe, and Transferwise — to access payment rails, issue credit, and process transactions under their own brand with Cross River as the regulated bank entity. Unlike traditional banks that resist fintech partnerships due to complexity, Cross River invested heavily in API infrastructure and compliance systems that make it a preferred bank partner for fintech companies needing a regulated balance sheet. The bank also provides personal loans, real estate loans, and PPP loans through fintech distribution partners. Founded in 2008 and headquartered in New Jersey, Cross River has grown significantly and has become one of the most prominent fintech-focused banks in the U.S., competing with Evolve Bank and Blue Ridge Bank as preferred bank partners for fintech BaaS deployments.