Cross River Bank

aid: cross-river-bank
url: https://raw.githubusercontent.com/api-evangelist/cross-river-bank/refs/heads/main/apis.yml
name: Cross River Bank
kind: company
description: Cross River Bank is an FDIC-insured chartered bank that operates as a sponsor bank and banking-as-a-service (BaaS)
  provider for fintech companies, embedded-finance platforms, and crypto / stablecoin issuers. The product surface is delivered
  through the Cross River Operating System (COS) - a proprietary API-driven banking core with real-time subledger generation
  - and includes accounts, ACH and Same-Day ACH, RTP and FedNow instant payments, wires, card issuing and processing (Visa
  / Mastercard), merchant acquiring, stablecoin rails, consumer and SMB lending, and capital markets / loan participation
  services. API access is gated behind a partner onboarding process; documentation and sandbox are at docs.crossriver.com.
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cross-river-bank.png
tags:
- Banking
- Banking as a Service
- Sponsor Bank
- Embedded Finance
- Payments
- ACH
- RTP
- FedNow
- Cards
- Lending
- Stablecoin
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.19'
apis:
- aid: cross-river-bank:cos
  name: Cross River Operating System (COS)
  description: 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.
  humanURL: https://www.crossriver.com/cos
  baseURL: gated-partner-access
  tags:
  - Core Banking
  - Subledger
  - Platform
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: cross-river-bank:accounts-api
  name: Cross River Accounts API
  description: REST API for opening and managing FDIC-insured deposit accounts (checking, savings, purpose-built program accounts)
    on behalf of partner-program end users. Includes balances, statements, holds, and account-level controls.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Accounts
  - Deposits
  - FDIC
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: cross-river-bank:payments-api
  name: Cross River Payments API
  description: Unified payments API covering ACH and Same-Day ACH, FedNow and RTP instant payments, domestic and international
    wires, and book transfers. Includes payment origination, returns, and reporting.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Payments
  - ACH
  - RTP
  - FedNow
  - Wire
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: cross-river-bank:card-payments-api
  name: Cross River Card Payments API
  description: Card issuing and processing API spanning Visa, Mastercard, and regional networks. Supports debit, credit, and
    prepaid programs, virtual / physical card lifecycle, authorizations, settlement, and merchant acquiring.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Cards
  - Issuing
  - Acquiring
  - Visa
  - Mastercard
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: cross-river-bank:lending-api
  name: Cross River Lending / Loan Funding API
  description: Marketplace-lending and loan-origination API used by fintech lending partners for consumer and SMB loan origination,
    underwriting, funding, servicing, participation, and securitization.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Lending
  - Origination
  - Loans
  - Marketplace Lending
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: cross-river-bank:stablecoin
  name: Cross River Stablecoin Payments
  description: Money-movement API supporting stablecoin pay-ins and pay-outs across fiat rails for crypto and Web3 partners,
    with the bank serving as the regulated on/off-ramp.
  humanURL: https://www.crossriver.com/stablecoin
  baseURL: gated-partner-access
  tags:
  - Stablecoin
  - Crypto
  - Pay-In
  - Pay-Out
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: cross-river-bank:webhooks
  name: Cross River Webhooks
  description: Outbound webhook events covering account, payment, card, and lending lifecycle changes. Endpoints and signing
    secrets are configured per partner program.
  humanURL: https://docs.crossriver.com
  baseURL: customer-configured
  tags:
  - Webhooks
  - Events
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: cross-river-bank:postman
  name: Cross River Postman Collection
  description: Postman collection of the COS APIs distributed to onboarded partners to accelerate sandbox testing and integration
    work.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Postman
  - Tooling
  - Sandbox
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
common:
- type: DomainSecurity
  url: security/cross-river-bank-domain-security.yml
- type: Website
  url: https://www.crossriver.com/
- type: Documentation
  url: https://docs.crossriver.com/
- type: PartnerPortal
  url: https://www.crossriver.com/partners
- type: COS
  url: https://www.crossriver.com/cos
- type: ContactSales
  url: https://www.crossriver.com/contact-us
- type: LinkedIn
  url: https://www.linkedin.com/company/cross-river-bank
- type: LlmsText
  url: https://docs.crossriver.com/llms.txt
- url: https://www.crossriver.com/insights
  type: Blog
integrations:
- name: Visa
- name: Mastercard
- name: FedNow
- name: The Clearing House (RTP)
- name: NACHA (ACH)
- name: Fedwire
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com