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, Backend-as-a-Service, Payments, and ACH.

Cross River’s developer surface includes engineering blog, support, getting-started guide, authentication, documentation, signup flow, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

44.9/100 developing ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-08-24 · rubric v0.13.0

AccessFreemiumSelf serve⚡ Free to try

7 APIs

Embedded Finance Banking as a Service Backend-as-a-Service Payments ACH Wire Push to Card Lending Account Cards Fintech RTP FedNow

Kin Score

Kin Score How this is scored →
scored 2026-08-24 · rubric v0.13.0

Composite quality — 44.9/100 · developing

Contract Quality 11.3 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 8.9 / 17

Operational Transparency 3.5 / 11

Contract Governance 0.0 / 10

Discoverability 6.9 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

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

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/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.

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.

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

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 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Blog

Blog

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-11'
  method: derived
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
- Backend-as-a-Service
- Payments
- ACH
- Wire
- Push to Card
- Lending
- Account
- Cards
- Fintech
- RTP
- FedNow
tags_raw:
- 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: '0.23'
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:
  - Account
  tags_raw:
  - 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: Blog
  url: https://www.crossriver.com/insights
- type: Support
  url: https://www.crossriver.com/support
- type: DeveloperPortal
  url: https://www.crossriver.com/developers
- type: PrivacyPolicy
  url: https://www.crossriver.com/privacy-policy
- type: GettingStarted
  url: https://docs.crossriver.com/get-started/quickstart
- 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

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