Cross River · FinOps Profile

Cross River Finops

FinOps view of Cross River Operating System (COS) spend. Cross River is a regulated bank offering embedded finance / Banking-as-a-Service; there is no public, self-service price list. Program economics are set in a negotiated partner agreement and are typically a blend of per-transaction fees (ACH, wires, RTP/FedNow), card issuing/processing fees offset by interchange revenue share, deposit/servicing arrangements, lending fees, and platform or minimum program fees. This makes COS cost management different from usage-metered SaaS: the dominant levers are per-rail transaction economics and interchange, negotiated commercially rather than published per unit.

Cross River Finops is the FinOps profile for Cross River on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 6 billable meters, billed in USD, on a monthly cycle, and pricing category contract-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Embedded Finance, Banking as a Service, BaaS, Payments, and Cards.

Category: Financial Services and Embedded Finance Pricing: Contract-Based Billing: Monthly FOCUS v1.3
Embedded FinanceBanking as a ServiceBaaSPaymentsCardsLendingFinOpsCost Management

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
USD
ChargeCategory
Usage
InvoiceIssuerName
Cross River Bank
PricingCategory
Contract-Based
ProviderName
Cross River
PublisherName
Cross River
ServiceCategory
Financial Services and Embedded Finance
ServiceName
Cross River Operating System (COS)

Meters

ach_transactions
Unit: transactions
ACH payments originated/received, typically billed per transaction.
wire_transactions
Unit: transactions
Wire transfers sent/received, typically billed per wire.
instant_payments
Unit: transactions
RTP / FedNow / CRNow instant payments, typically billed per transaction.
card_transactions
Unit: transactions
Card authorizations/settlements; processing fees offset by interchange revenue share.
interchange_revenue
Unit: usd
Interchange earned on card programs, shared per the partner agreement (a credit, not a cost).
loans_originated
Unit: loans
Loans originated/serviced through the lending module, priced per the agreement.

Sources