--- title: Concepts intro slug: concepts description: Our concept overviews break down each Cross River product, showing you the main features and how to integrate them. docTags: createdAt: 2025-01-23T10:22:37.743Z --- :::Iframe{iframeHeight="0" code="

Explore our concepts

Cross River’s platform capabilities can power and scale your fintech applications.
"} ::: Learn how Cross River’s platform capabilities can support and grow your fintech applications. Our concept overviews break down each product, showing you the main features and how to integrate them. Whether you're starting from scratch or improving what you have, these resources help you understand how everything works and make the most of our solutions. *** :::Iframe{iframeHeight="0" code="

Accounts

Robust set of API calls to create, update, and manage your accounts.

DDAs

Deposit account

CDs

Lock funds for higher interest

FBO

For benefit of accounts

Subledgers

Cross River's subledger solution

Cards

Scale debit, credit, and pre-paid card programs with processor-agnostic issuing platforms.

Partner-managed

Using your preferred processor

Integrated issuing

Full-service integrated issuing

Payments

Streamlined payment solutions encompassing both local and international transfers.

Instant payments

Clear and settle immediately

Card payments

Transfer funds to/from cards

International payments

Send funds across the globe

ACH

Originate standard and same day

Wires

Transfer through Fedwire

XML batch payments

ISO20022 payment instructions

Checks

Check writing and deposits

Onchain payments

Stablecoin-based transactions on supported blockchains.

Onchain payments

Stabelcoin payments solution

Lending

Robust set of API calls to create, update, and manage your loans.

Marketplace lending

Loan solutions
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