Cross River Bank

Cross River Bank is a financial services organization that integrates the expertise of a traditional bank with the innovation of a technology company, providing technology infrastructure to fintech and technology firms. Founded in 2008 by Gilles Gade, it operates as a state-chartered, FDIC-insured commercial bank. The company's headquarters are located in Fort Lee, New Jersey.

Cross River offers a comprehensive suite of API-based financial solutions, including Banking-as-a-Service (BaaS), embedded payments, card issuing, digital lending, and cryptocurrency services. The bank supports marketplace lenders with compliance, payments, credit, underwriting, and balance sheet capacity. Its offerings extend to consumer and commercial banking products such as checking, savings accounts, and certificates of deposit, catering to fintechs, neobanks, merchant platforms, and institutional credit investors.

As of March 2026, Cross River Bank is reportedly exploring an Initial Public Offering (IPO), a move that could significantly impact the fintech IPO landscape. The bank recently launched a campaign in June 2026 to connect Nepal to the global financial system, engaging with local financial leaders and investors. In late 2025, Cross River was recognized as "Partner Bank of the Year" and introduced a new brand campaign, "Cross River — The Bank Behind the Bold," alongside its "Advanced Authorization" solution for fintechs. The company is noted for its pivotal role in the embedded finance and BaaS ecosystems, providing the regulated backbone for other fintech platforms.