# CRB

**Canonical:** https://apis.io/providers/crb/  
**Website:** https://www.crossriver.com/  
**APIs profiled:** 1

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.

## Kin Score — 26.0 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 26.0).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 58.7 |
| Commercial Clarity | 23.7 |

Regulatory layer — **Payments**: 25.0 (matched via tags).

## Agent readiness — 14.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Cross River Operating System (COS) API** — 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...

## Security (2)

- **Crb Authentication** — oauth2 · 1 scheme
- **Crb Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Banking, Banking as a Service, Embedded Finance, Payments, Fintech, Lending, Cards, ACH, API

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/crb/). Scores are computed from the provider's own public artifacts under a published rubric.