Cross River

Cross River is a regulated bank (FDIC member, Fort Lee, NJ) that delivers embedded finance and Banking-as-a-Service (BaaS) through its Cross River Operating System (COS) - a collection of REST APIs for deposit accounts, ACH, wires, instant payments (RTP, FedNow, CRNow), card issuing and processing, lending, and KYC/customer onboarding. Access is partner/enterprise-gated - programs are onboarded through Cross River sales and a relationship manager, and OAuth2 client credentials are provisioned for sandbox and then production. Endpoints are grounded in the public developer documentation at docs.crossriver.com; request/response schemas are modeled where the live sandbox is credential-gated.

Cross River publishes 7 APIs on the APIs.io network, including Accounts API, ACH API, Cards API, and 4 more. Tagged areas include Embedded Finance, Banking as a Service, BaaS, Payments, and ACH.

Cross River’s developer surface includes authentication, documentation, signup flow, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

36.0/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-08-03 · rubric v0.9

AccessFreemiumSelf serve⚡ Free to try

7 APIs

Embedded FinanceBanking as a ServiceBaaSPaymentsACHWirePush-to-CardLendingAccountsCardsFintechRTPFedNow

Kin Score

Kin Score How this is scored →
scored 2026-08-03 · rubric v0.9

Composite quality — 36.0/100 · thin

Contract Quality 15.1 / 25

Developer Ergonomics 3.9 / 20

Commercial Clarity 8.4 / 20

Operational Transparency 4.1 / 13

Governance 0.0 / 12

Discoverability 7.4 / 10

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 7 / 7

Typed Event Surface 0 / 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

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/cross-river: 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 7

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

Cross River Accounts API

Deposit accounts and subledgers (COS Core module, /core/v1/dda).

Cross River ACH API

ACH origination and receipt (COS Payments, /ach).

Cross River Cards API

Debit card issuing and management (COS Card Management, /cardmanagement).

Cross River Customer Management API

Customer records, KYC, and onboarding (COS Core module, /core/v1/cm).

Cross River Instant Payments API

RTP, FedNow, and CRNow instant payments (COS Payments, /rtp).

Cross River Lending API

Loan origination and servicing (separate lending host).

Cross River Wires API

Domestic wire transfers and drawdowns (COS Payments, /wires).

Scroll for all 7

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Cross River Operating System (COS) API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Cross River Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Cross River Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Cross River Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cross River Authentication

oauth2 · 1 scheme

SECURITY

Cross River Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Cross River Agentic Access

22 operations · 16 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: cross-river
url: https://raw.githubusercontent.com/api-evangelist/cross-river/refs/heads/main/apis.yml
name: Cross River
kind: company
description: Cross River is a regulated bank (FDIC member, Fort Lee, NJ) that delivers embedded finance and Banking-as-a-Service
  (BaaS) through its Cross River Operating System (COS) - a collection of REST APIs for deposit accounts, ACH, wires, instant
  payments (RTP, FedNow, CRNow), card issuing and processing, lending, and KYC/customer onboarding. Access is partner/enterprise-gated
  - programs are onboarded through Cross River sales and a relationship manager, and OAuth2 client credentials are provisioned
  for sandbox and then production. Endpoints are grounded in the public developer documentation at docs.crossriver.com; request/response
  schemas are modeled where the live sandbox is credential-gated.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cross-river.png
tags:
- Embedded Finance
- Banking as a Service
- BaaS
- Payments
- ACH
- Wire
- Push-to-Card
- Lending
- Accounts
- Cards
- Fintech
- RTP
- FedNow
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.19'
apis:
- aid: cross-river:cross-river-accounts-api
  name: Cross River Accounts API
  description: Deposit accounts and subledgers (COS Core module, /core/v1/dda).
  humanURL: https://docs.crossriver.com/apis/accounts
  baseURL: https://sandbox.crbcos.com/core
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/cross-river-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.crossriver.com/apis/accounts
  - type: APIReference
    url: https://docs.crossriver.com/apis
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/ach
  - type: APIReference
    url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/wires
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/instant-payments
  - type: Documentation
    url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks
  - type: Documentation
    url: https://docs.crossriver.com/apis/cards
  - type: Documentation
    url: https://docs.crossriver.com/apis/lending
  - type: Documentation
    url: https://docs.crossriver.com/apis/customer-management
- aid: cross-river:cross-river-ach-api
  name: Cross River ACH API
  description: ACH origination and receipt (COS Payments, /ach).
  humanURL: https://docs.crossriver.com/apis/accounts
  baseURL: https://sandbox.crbcos.com/core
  tags:
  - ACH
  properties:
  - type: OpenAPI
    url: openapi/cross-river-ach-api-openapi.yml
  - type: Documentation
    url: https://docs.crossriver.com/apis/accounts
  - type: APIReference
    url: https://docs.crossriver.com/apis
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/ach
  - type: APIReference
    url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/wires
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/instant-payments
  - type: Documentation
    url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks
  - type: Documentation
    url: https://docs.crossriver.com/apis/cards
  - type: Documentation
    url: https://docs.crossriver.com/apis/lending
  - type: Documentation
    url: https://docs.crossriver.com/apis/customer-management
- aid: cross-river:cross-river-cards-api
  name: Cross River Cards API
  description: Debit card issuing and management (COS Card Management, /cardmanagement).
  humanURL: https://docs.crossriver.com/apis/accounts
  baseURL: https://sandbox.crbcos.com/core
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/cross-river-cards-api-openapi.yml
  - type: Documentation
    url: https://docs.crossriver.com/apis/accounts
  - type: APIReference
    url: https://docs.crossriver.com/apis
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/ach
  - type: APIReference
    url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/wires
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/instant-payments
  - type: Documentation
    url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks
  - type: Documentation
    url: https://docs.crossriver.com/apis/cards
  - type: Documentation
    url: https://docs.crossriver.com/apis/lending
  - type: Documentation
    url: https://docs.crossriver.com/apis/customer-management
- aid: cross-river:cross-river-customer-management-api
  name: Cross River Customer Management API
  description: Customer records, KYC, and onboarding (COS Core module, /core/v1/cm).
  humanURL: https://docs.crossriver.com/apis/accounts
  baseURL: https://sandbox.crbcos.com/core
  tags:
  - Customer Management
  properties:
  - type: OpenAPI
    url: openapi/cross-river-customer-management-api-openapi.yml
  - type: Documentation
    url: https://docs.crossriver.com/apis/accounts
  - type: APIReference
    url: https://docs.crossriver.com/apis
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/ach
  - type: APIReference
    url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/wires
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/instant-payments
  - type: Documentation
    url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks
  - type: Documentation
    url: https://docs.crossriver.com/apis/cards
  - type: Documentation
    url: https://docs.crossriver.com/apis/lending
  - type: Documentation
    url: https://docs.crossriver.com/apis/customer-management
- aid: cross-river:cross-river-instant-payments-api
  name: Cross River Instant Payments API
  description: RTP, FedNow, and CRNow instant payments (COS Payments, /rtp).
  humanURL: https://docs.crossriver.com/apis/accounts
  baseURL: https://sandbox.crbcos.com/core
  tags:
  - Instant Payments
  properties:
  - type: OpenAPI
    url: openapi/cross-river-instant-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.crossriver.com/apis/accounts
  - type: APIReference
    url: https://docs.crossriver.com/apis
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/ach
  - type: APIReference
    url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/wires
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/instant-payments
  - type: Documentation
    url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks
  - type: Documentation
    url: https://docs.crossriver.com/apis/cards
  - type: Documentation
    url: https://docs.crossriver.com/apis/lending
  - type: Documentation
    url: https://docs.crossriver.com/apis/customer-management
- aid: cross-river:cross-river-lending-api
  name: Cross River Lending API
  description: Loan origination and servicing (separate lending host).
  humanURL: https://docs.crossriver.com/apis/accounts
  baseURL: https://sandbox.crbcos.com/core
  tags:
  - Lending
  properties:
  - type: OpenAPI
    url: openapi/cross-river-lending-api-openapi.yml
  - type: Documentation
    url: https://docs.crossriver.com/apis/accounts
  - type: APIReference
    url: https://docs.crossriver.com/apis
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/ach
  - type: APIReference
    url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/wires
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/instant-payments
  - type: Documentation
    url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks
  - type: Documentation
    url: https://docs.crossriver.com/apis/cards
  - type: Documentation
    url: https://docs.crossriver.com/apis/lending
  - type: Documentation
    url: https://docs.crossriver.com/apis/customer-management
- aid: cross-river:cross-river-wires-api
  name: Cross River Wires API
  description: Domestic wire transfers and drawdowns (COS Payments, /wires).
  humanURL: https://docs.crossriver.com/apis/accounts
  baseURL: https://sandbox.crbcos.com/core
  tags:
  - Wires
  properties:
  - type: OpenAPI
    url: openapi/cross-river-wires-api-openapi.yml
  - type: Documentation
    url: https://docs.crossriver.com/apis/accounts
  - type: APIReference
    url: https://docs.crossriver.com/apis
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/ach
  - type: APIReference
    url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/wires
  - type: Documentation
    url: https://docs.crossriver.com/apis/payments/instant-payments
  - type: Documentation
    url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks
  - type: Documentation
    url: https://docs.crossriver.com/apis/cards
  - type: Documentation
    url: https://docs.crossriver.com/apis/lending
  - type: Documentation
    url: https://docs.crossriver.com/apis/customer-management
common:
- type: AgenticAccess
  url: agentic-access/cross-river-agentic-access.yml
- type: DomainSecurity
  url: security/cross-river-domain-security.yml
- type: Authentication
  url: authentication/cross-river-authentication.yml
- type: Website
  url: https://www.crossriver.com/
- type: Documentation
  url: https://docs.crossriver.com/
- type: SignUp
  url: https://www.crossriver.com/contact
- type: LinkedIn
  url: https://www.linkedin.com/company/cross-river-bank
- type: Plans
  url: plans/cross-river-plans-pricing.yml
- type: RateLimits
  url: rate-limits/cross-river-rate-limits.yml
- type: FinOps
  url: finops/cross-river-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Where this information came from

This is an independent, third-party profile of Cross River, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.

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