Cross River Bank vs Deserve
Different commercial models: Cross River Bank prices interchange-share, Deserve saas-monthly — real cost depends on your volumes. On compliance Cross River Bank documents more certifications (2 vs 0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Cross River Bank | Deserve | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.4 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Interchange share | Monthly SaaS |
| Card networks | Visa, Mastercard | Mastercard |
| Card types | debit, credit, prepaid | credit, virtual |
| Fiat rails | ACH, Wire | — |
| Stablecoins | USDC | — |
| Certifications | SOC2-T2, PCI-DSS-L1 | — |
| SDK | curl, Node.js, Python, Ruby, Go | — |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC / NJ Dept. of Banking and Insurance | OCC (via partner banks) |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Past incidents | 2023 FDIC consent order for unsafe lending practices | — |
| Regions | US | US |
| Licences & safety | Bank Charter | Sponsor bank (Celtic Bank / Evolve Bank) |
Frequently asked questions
Cross River Bank vs Deserve: which is better?
Different commercial models: Cross River Bank prices interchange-share, Deserve saas-monthly — real cost depends on your volumes. On compliance Cross River Bank documents more certifications (2 vs 0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Is Cross River Bank custodial or self-custody?
Cross River Bank is self-custody: you keep the keys, while Deserve is self-custody.