Remote sensing increasingly captures the Earth's surface through complementary sensors such as SAR and optical, yet ground-truth annotations remain scarce, limiting supervised approaches. Self-supervised learning (SSL) addresses the label scarcity, and cross-modal SSL further exploits the complementarity between co-located sensors, but existing cross-modal frameworks align modalities mostly through global image-level representations or treat them as largely redundant, leaving their fine-grained complementary structure underexploited. We propose CroCoMAE, a cross-modal SSL framework for SAR-optical remote sensing that unifies contrastive learning and masked image modeling within a ViT-based architecture, operating at two complementary levels. At the image level, an intra-modality contrastive loss on the class token yields globally discriminative, augmentation-invariant representations. At the patch level, masked image modeling drives fine-grained per-modality representations, while a cross-modal contrastive objective aligns a shared subspace across SAR and optical patch tokens, leaving the complementary subspace unconstrained to retain modality-specific information. On two SAR-optical benchmarks covering scene classification and semantic segmentation, CroCoMAE improves over uni-modal SSL baselines and outperforms state-of-the-art cross-modal frameworks in most configurations, with gains in both single-modality and multi-modal evaluation across varying label regimes and the largest improvements on semantic segmentation.

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