Sponsor bank tracked in the Embedded Finance Index. Named by 73 companies, most often as their sponsor bank. Sells embedded finance as Cross River banking platform.
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73 companies name Cross River in their stack. The most common role is sponsor bank (64). A company can use the same bank for more than one thing. Compare it with what Cross River says it sells, below.
Cross River presents itself as banking infrastructure for builders reinventing finance. It sells one API-based suite covering lending, payments, cards, accounts and crypto, with marketplace lending as the long-standing core.
“Cross River's trusted platform delivers banking infrastructure for the boldest builders to reimagine finance.”crossriver.com ↗
Open Banking Tracker has no developer portal on file for Cross River. One aggregator connects to its accounts.
Cross River began in 2008 as a small New Jersey community bank and reinvented itself as the API-driven sponsor bank behind many of the largest US fintechs — Affirm, Coinbase, Stripe, and others. The 2022 raise formalized its push into crypto rails and embedded financial infrastructure, positioning it as a full-stack BaaS/lending/cards/international-payments bank for merchant platforms rather than a traditional deposit institution.
Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<a href="https://www.embeddedfinanceindex.com/vendors/cross-river?ref=badge">
<img src="https://www.embeddedfinanceindex.com/api/badge/cross-river.svg"
alt="Ranked #3 of 201 in Sponsor Bank — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/cross-river/install" width="1" height="1" alt="" style="display:none">73 companies disclose Cross River in their stack in the Embedded Finance Index 2026, including Cherry Technologies, Affirms Bnpl, Lendingusa, Aion, Nitra, Transak, Fundbox, Revolut, Truly Financial, Fold and 2 others.
Cross River is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (64), banking-as-a-service (56) and lending partner (10).
Yes, as Cross River banking platform. Cross River presents itself as banking infrastructure for builders reinventing finance. It sells one API-based suite covering lending, payments, cards, accounts and crypto, with marketplace lending as the long-standing core.
The most-disclosed Sponsor Bank alternatives to Cross River are Evolve Bank & Trust (101 buyers), Sutton Bank (65 buyers), Pathward (43 buyers), Celtic Bank (39 buyers), Community Federal Savings Bank (37 buyers) and Thread Bank (31 buyers).
Cross River was founded by Gilles Gade and is founded in 2008, headquartered in Fort Lee, New Jersey, USA.
Cross River has raised $620M+ (2022 round alone) in total.
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