← Embedded Finance Index 2026/Vendor

Cross River

Provider
Sponsor BankLendingBaaSCard IssuingPSPFX / Payouts

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 61 companies across 6 categories.

crossriver.com ↗Open Banking Tracker profile ↗
CategoriesSponsor Bank, Lending, BaaS, Card Issuing, PSP, FX / Payouts
Rank#3 of 316 in BaaS
Buyers61 companies
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Who uses Cross River
61 companies disclose Cross River in their stack
Cherry TechnologiesAffirms BnplLendingusaAionNitraTransakFundboxRevolutTruly FinancialFoldCredit9Plaid+49 more
Buyer mix · 61 of 61 classified
Fintech / Lending · 19Fintech / SMB banking · 9Infrastructure / Payments · 6Fintech / Consumer banking · 4Fintech / Cross-border payments · 4Fintech / Crypto · 3Fintech / Neobank · 2Infrastructure / Open banking · 2
US · 47UK · 4EU · 2APAC · 1Canada · 1
What the disclosures say
Cherry Technologies
“Cross River Bank is also listed as a partner but primarily confirmed via the direct lending/origination relationship (see lending block).”
Affirms Bnpl
“Affirm privacy notice: 'Affirm Money Account is held with Cross River Bank' and 'Affirm Card is a Visa debit card issued by Evolve Bank & Trust or Stride Bank, N.A.' American Banker (April 2025) confirms Stride Bank added as second card issuer.”
Lendingusa
“lendingusa.com/lending-partners/ explicitly lists Cross River Bank and New Horizon Bank, N.A. as lending partners.”
Aion
“No direct PSP named on aionfi.com evidence; payments facilitated via Cross River Bank banking infrastructure.”
Nitra
“Card footer: 'The Nitra Charge Card is issued by Cross River Bank, Member FDIC.' 'Nitra Visa Business Card... pursuant to a license from Visa U.S.A.' Money transmission and accounts via Stripe Payments Company with funds at Fifth Third Bank and Evolve Bank & Trust.”
Transak
“Transak KYC Reliance documentation explicitly states 'Reuse existing Sumsub KYC data via a share token so already-verified users skip KYC' at https://docs.transak.com/features/kyc-reliance. Cross River named as fiat payment infrastructure partner in press release.”
View source · docs.transak.com ↗
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Cross River? Claim this profile above to unlock your own full list.
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Alternatives to Cross River

Other BaaS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust69 buyers →Sutton Bank63 buyers →Pathward47 buyers →ClearBank39 buyers →Thread Bank32 buyers →Backbase30 buyers →Community Federal Savings Bank30 buyers →GBank27 buyers →
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Ranked #3 of 316 in BaaS — Embedded Finance Index 2026
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