# Cross River Operating System (COS) API

**Canonical:** https://apis.io/apis/crb/cross-river-operating-system-cos-api/  
**Provider:** CRB — https://apis.io/providers/crb/  
**Documentation:** https://docs.crossriver.com

Cross River Operating System (COS) API is published by [CRB](https://apis.io/providers/crb/) on the [APIs.io](https://apis.io/) network. Tagged areas include Banking, Payments, Cards, and Lending. The published artifact set on APIs.io includes API documentation, an API reference, a getting-started guide, and authentication docs.

The Cross River Operating System (COS) API is Cross River's API-driven bank core, exposing Accounts and Payments products (ACH, RTP, FedNow, wires, international payments, cards, subledgers, and lending) to fintech partners. Access is secured with OAuth2 client credentials and available in an isolated sandbox.

## Machine-readable artifacts (5)

- **Documentation** — https://docs.crossriver.com/concepts
- **APIReference** — https://docs.crossriver.com
- **GettingStarted** — https://docs.crossriver.com/get-started/quickstart
- **Authentication** — https://raw.githubusercontent.com/api-evangelist/crb/refs/heads/main/authentication/crb-authentication.yml
- **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/crb/refs/heads/main/apis.yml

## Tags

Banking, Payments, Cards, Lending

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/crb/cross-river-operating-system-cos-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/crb/.