CRB

CRB (Cross River Bank) is a New Jersey-chartered, FDIC-insured bank and financial technology infrastructure provider founded in 2008 and headquartered in Fort Lee, New Jersey. Cross River pairs a regulated bank with an API-driven core it calls the Cross River Operating System (COS), letting fintech companies, neobanks, lenders, and platforms embed banking, payments, cards, and lending products directly into their applications. Its developer platform exposes Accounts and Payments APIs spanning ACH, RTP, FedNow, wires, international payments, push-to-card, card issuing and processing, subledgers, lending origination, and onchain/stablecoin rails, secured with OAuth2 client credentials and delivered with an isolated sandbox, Postman collection, webhooks, and a dated changelog. Cross River is known for powering leading fintech partners including Stripe, Coinbase, Affirm, Upgrade, and Intuit, and was surfaced in the API Evangelist network as a Battery Ventures portfolio company.

CRB publishes 1 API on the APIs.io network. Tagged areas include Company, Banking, Banking as a Service, Embedded Finance, and Payments.

CRB’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, changelog, support, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

26.0/100 emerging ▬ flat Agent 14/100 agent aware Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

AccessSelf serve

1 APIs

CompanyBankingBanking as a ServiceEmbedded FinancePaymentsFintechLendingCardsACHAPI

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 26.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 10.0 / 17

Commercial Clarity 4.0 / 17

Operational Transparency 2.6 / 11

Governance 0.0 / 10

Discoverability 5.7 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 14/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/crb: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Sandbox

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Webhooks

Webhooks

Conventions

Conventions

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: crb
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/crb.png
name: CRB
description: CRB (Cross River Bank) is a New Jersey-chartered, FDIC-insured bank and financial technology infrastructure provider
  founded in 2008 and headquartered in Fort Lee, New Jersey. Cross River pairs a regulated bank with an API-driven core it
  calls the Cross River Operating System (COS), letting fintech companies, neobanks, lenders, and platforms embed banking,
  payments, cards, and lending products directly into their applications. Its developer platform exposes Accounts and Payments
  APIs spanning ACH, RTP, FedNow, wires, international payments, push-to-card, card issuing and processing, subledgers, lending
  origination, and onchain/stablecoin rails, secured with OAuth2 client credentials and delivered with an isolated sandbox,
  Postman collection, webhooks, and a dated changelog. Cross River is known for powering leading fintech partners including
  Stripe, Coinbase, Affirm, Upgrade, and Intuit, and was surfaced in the API Evangelist network as a Battery Ventures portfolio
  company.
url: https://raw.githubusercontent.com/api-evangelist/crb/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- battery-ventures
x-tier: profiled
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Banking
- Banking as a Service
- Embedded Finance
- Payments
- Fintech
- Lending
- Cards
- ACH
- API
apis:
- name: Cross River Operating System (COS) API
  description: 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.
  humanURL: https://docs.crossriver.com
  tags:
  - Banking
  - Payments
  - Cards
  - Lending
  properties:
  - type: Documentation
    url: https://docs.crossriver.com/concepts
  - type: APIReference
    url: https://docs.crossriver.com
  - type: GettingStarted
    url: https://docs.crossriver.com/get-started/quickstart
  - type: Authentication
    url: authentication/crb-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/crb-domain-security.yml
- type: Website
  url: https://www.crossriver.com/
- type: DeveloperPortal
  url: https://docs.crossriver.com
- type: Documentation
  url: https://docs.crossriver.com/concepts
- type: APIReference
  url: https://docs.crossriver.com
- type: GettingStarted
  url: https://docs.crossriver.com/get-started/quickstart
- type: Authentication
  url: authentication/crb-authentication.yml
- type: Sandbox
  url: sandbox/crb-sandbox.yml
- type: Webhooks
  url: https://docs.crossriver.com
- type: ChangeLog
  url: changelog/crb-changelog.yml
- type: Support
  url: https://docs.crossriver.com/faq
- type: Blog
  url: https://www.crossriver.com/insights
- type: SignUp
  url: https://crossriver.service-now.com/csm?id=cos_sandbox_request_form
- type: PrivacyPolicy
  url: https://www.crossriver.com/legal/privacy-policy
- type: Conventions
  url: conventions/crb-conventions.yml
- type: LLMsTxt
  url: llms/crb-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

CRB

Kin Score

APIs 1

Cross River Operating System (COS) API

Security Posture 2

Crb Authentication

Crb Domain Security

Resources