Issuing models

card issuing operating models cross river offers two flexible operating models for card issuing partners can select the approach that best matches their technical capabilities, operational preferences, and program goals feature partner managed integrated issuing bin sponsorship cr managed cr managed compliance cr managed cr managed network settlement and reporting cr managed cr managed processor integration partner cr managed ledger management partner cr managed transaction authorization partner or processor cr managed card network connectivity partner cr managed card lifecycle management partner or processor partner, using cr apis customer experience and app development partner partner, using cr apis partner managed issuing in a partner managed model, cross river partners maintain control over ledgering, authorization, and customer experience by working with a processor of their choosing (insert footnote referenced above) cross river provides bin sponsorship, regulatory oversight, and manages settlement with card networks this model is ideal for partners who already have established processor relationships and operational capabilities it enables greater customization of authorization rules, ledger management, and customer facing experiences while leveraging cross river's banking infrastructure and compliance oversight integrated issuing in an integrated issuing model, cross river provides bin sponsorship, acts as the ledger, manages transaction authorization, integrates directly with supported processors, and provides network and regulatory compliance oversight this model simplifies setup, reduces technical burden, and enables faster time to market for our partners it is designed for partners who want to focus primarily on delivering customer experience without managing banking infrastructure or complex back office processes