# Cross River Bank

Cross River Bank is a Community Bank / FinTech Partner Bank based in New York, United States.

## Overview

- **Organization type:** Community Bank / FinTech Partner Bank
- **Headquarters:** New York, United States
- **Region:** North America
- **Address:** New York, NY, United States
- **Founded:** 2008
- **Assets under management:** Undisclosed
- **Website:** crossriver.com
- **LinkedIn:** https://www.linkedin.com/company/cross-river-bank

## Regulatory record

- **Reports private funds:** No

## About

Cross River Bank is a US-based financial institution founded in 2008 in Fort Lee. It operates an API-driven banking infrastructure. The company has secured $848 million in total funding.

## Sectors

- FinTech
- Banking
- Payments
- Lending
- Real Estate

## People

- Gilles Gade — Founder, Chairman & CEO
- Miranda Hill — CFO
- Philip Goldfeder — Chief Public Affairs Officer

## Questions

### How does Cross River Bank source its business?

Cross River operates as a banking-as-a-service platform, providing regulatory infrastructure—lending, payments, deposits—to fintech partners. Deal flow comes from partnerships with companies like Affirm, Coinbase, and Upstart, which originate loans that Cross River funds.

### Is Cross River a bank or a technology company?

Cross River is a state-chartered community bank regulated by the FDIC and state banking authorities. It also operates a BaaS technology layer, making it both a regulated lender and a fintech infrastructure provider.

### Does Cross River make direct equity investments?

Cross River's primary activity is lending and deposit-taking, not direct equity investing. It originates loans through its platform but does not publicly disclose a venture or private equity allocation.

### Which sectors does Cross River Bank focus on?

Cross River focuses on consumer lending, small-business lending, mortgages, payments, and credit cards. It avoids investment banking, wealth management, and extensive physical branch operations.

### How is Cross River related to fintechs like Coinbase?

Cross River provides the banking backend for Coinbase and other fintechs, meaning it handles regulatory compliance, lending, and deposit services under its charter. It is not an investor or joint venture partner in most cases.

### Where does Cross River operate geographically?

Cross River is headquartered in New York and primarily serves US-domiciled fintech partners and their customers. No international offices are disclosed.

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Last updated: 2026-06-03T20:00:00.000Z

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