Case Study: Current helps millions build credit with Cross River

How Cross River and Current Propel Credit Building with an Innovative Product

Current, a U.S. fintech serving over six million members, partnered with vendor Cross River to address the challenge of credit invisibility and the high cost of credit card debt for millions of underbanked Americans.

Leveraging Cross River's API-based operating system and banking infrastructure, the partnership launched the Build Card, a secured charge card. This solution enabled users to build credit without fees or a traditional credit check. The results were significant, with Cross River noting that 99.8% of previously unscored users obtained a credit score, and members saw an average credit score increase of 81 points within the first six months.

Current

Stuart Sopp

CEO and Co-founder