# Cross River Operating System (COS)

**Canonical:** https://apis.io/apis/cross-river-bank/cos/  
**Provider:** Cross River Bank — https://apis.io/providers/cross-river-bank/  
**Base URL:** gated-partner-access  
**Documentation:** https://www.crossriver.com/cos

Cross River Operating System (COS) is one of 8 APIs that [Cross River Bank](https://apis.io/providers/cross-river-bank/) publishes on the [APIs.io](https://apis.io/) network. Tagged areas include Core Banking, Subledger, and Platform. The published artifact set on APIs.io includes API documentation.

Proprietary API-driven banking core that underpins all Cross River partner programs. Provides a real-time subledger, KYC / KYB, compliance workflows, accounts, payments, cards, and lending primitives behind a unified REST API surface. Access is granted to onboarded partners only.

## Machine-readable artifacts (2)

- **Documentation** — https://docs.crossriver.com
- **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/cross-river-bank/refs/heads/main/apis.yml

## Other Cross River Bank APIs (7)

- [Cross River Accounts API](https://apis.io/apis/cross-river-bank/accounts-api/)
- [Cross River Payments API](https://apis.io/apis/cross-river-bank/payments-api/)
- [Cross River Card Payments API](https://apis.io/apis/cross-river-bank/card-payments-api/)
- [Cross River Lending / Loan Funding API](https://apis.io/apis/cross-river-bank/lending-api/)
- [Cross River Stablecoin Payments](https://apis.io/apis/cross-river-bank/stablecoin/)
- [Cross River Webhooks](https://apis.io/apis/cross-river-bank/webhooks/)
- [Cross River Postman Collection](https://apis.io/apis/cross-river-bank/postman/)

## Tags

Core Banking, Subledger, Platform

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