# Cross River Bank

**Canonical:** https://apis.io/providers/cross-river-bank/  
**Website:** https://www.crossriver.com/  
**APIs profiled:** 8

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.

## Kin Score — 15.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 15.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 3.0 (human-only)

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

## Access

Free — onboarding: unknown, pricing: free, trial: no (confidence: medium).

## APIs (8)

- **Cross River Operating System (COS)** — Proprietary API-driven banking core that underpins all Cross River partner programs. Provides a real-time subledger, KYC / KYB, compliance workflows, accounts, payments, cards, ...
- **Cross River Accounts API** — 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, st...
- **Cross River Payments API** — 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,...
- **Cross River Card Payments API** — Card issuing and processing API spanning Visa, Mastercard, and regional networks. Supports debit, credit, and prepaid programs, virtual / physical card lifecycle, authorizations...
- **Cross River Lending / Loan Funding API** — Marketplace-lending and loan-origination API used by fintech lending partners for consumer and SMB loan origination, underwriting, funding, servicing, participation, and securit...
- **Cross River Stablecoin Payments** — 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.
- **Cross River Webhooks** — Outbound webhook events covering account, payment, card, and lending lifecycle changes. Endpoints and signing secrets are configured per partner program.
- **Cross River Postman Collection** — Postman collection of the COS APIs distributed to onboarded partners to accelerate sandbox testing and integration work.

## Security (1)

- **Cross River Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Cross River Bank Plans Pricing**

## Tags

Banking, Banking as a Service, Sponsor Bank, Embedded Finance, Payments, ACH, RTP, FedNow, Cards, Lending, Stablecoins

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