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.

7 APIs 0 Features
Embedded FinanceBanking as a ServiceBaaSPaymentsACHWirePush-to-CardLendingAccountsCardsFintechRTPFedNow

APIs

Cross River Accounts API

Open and manage COS deposit accounts (DDA) and subledgers - create accounts from a product, apply and remove restrictions, retrieve statements and tax documents, and manage time...

Cross River ACH Payments API

Originate and receive ACH payments over the Federal Reserve ACH network - single payments, client batches, same-day ACH, reversals, and returns, with utilization monitoring. Par...

Cross River Wires API

Send domestic wire transfer payments, cancel wires, and handle drawdown requests and responses (request an inbound wire and respond to one). Part of the COS Payments module.

Cross River Instant Payments API

Send and receive funds instantly 24/7 across CRNow, RTP (The Clearing House), and FedNow - initiate credit transfers, requests for payment, returns, and query supported financia...

Cross River Cards API

Issue and manage debit cards - create cards, activate, suspend and unsuspend, close, replace lost/stolen/damaged cards, set the PIN, and manage spend controls. Part of the COS C...

Cross River Lending API

Originate and service loans - create and update loan applications, attach documents, request funding payment rails, retrieve loan details, and cancel loans. Uses a separate lend...

Cross River Customer Management API

Create and manage the customer records (KYC/onboarding) required before opening accounts or issuing cards - personal and business customers, beneficial owners, identifications, ...

Collections

Cross River Operating System (COS) API

OPEN

Pricing Plans

Cross River Plans Pricing

2 plans

PLANS

Rate Limits

Cross River Rate Limits

5 limits

RATE LIMITS

FinOps

Cross River Finops

FINOPS

Resources

🔗
AgenticAccess
AgenticAccess
🔗
DomainSecurity
DomainSecurity
🔑
Authentication
Authentication
🔗
Website
Website
🔗
Documentation
Documentation
📝
SignUp
SignUp
🔗
LinkedIn
LinkedIn
🔗
Plans
Plans
🔗
RateLimits
RateLimits
🔗
FinOps
FinOps

Sources

Raw ↑ 
opencollection: 1.0.0
info:
  name: Cross River Operating System (COS) API
  version: '1.0'
request:
  auth:
    type: bearer
    token: '{{accessToken}}'
items:
- info:
    name: Customer Management
    type: folder
  items:
  - info:
      name: Create a customer.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/core/v1/cm/customers
      body:
        type: json
        data: "{\n  \"type\": \"personal\",\n  \"firstName\": \"Jane\",\n  \"lastName\": \"Doe\"\n}"
    docs: Creates a personal or business customer record for KYC / onboarding. MODELED body.
  - info:
      name: Retrieve a customer.
      type: http
    http:
      method: GET
      url: https://sandbox.crbcos.com/core/v1/cm/customers/:id
      params:
      - name: id
        value: ''
        type: path
        description: The customer ID.
    docs: Retrieves a customer record by ID.
  - info:
      name: Add a beneficial owner.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/core/v1/cm/customers/:customerId/beneficial-owners
      params:
      - name: customerId
        value: ''
        type: path
        description: The customer ID.
      body:
        type: json
        data: '{}'
    docs: Adds a beneficial owner to a business customer. MODELED body.
  - info:
      name: Deactivate a customer.
      type: http
    http:
      method: DELETE
      url: https://sandbox.crbcos.com/core/v1/cm/customers/:id
      params:
      - name: id
        value: ''
        type: path
        description: The customer ID.
    docs: Deactivates a customer record.
- info:
    name: Accounts
    type: folder
  items:
  - info:
      name: Open a deposit account.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/core/v1/dda/accounts
      body:
        type: json
        data: "{\n  \"productId\": \"\",\n  \"customerId\": \"\"\n}"
    docs: Creates a deposit account (DDA) based on a product ID. MODELED body.
  - info:
      name: Restrict an account.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/core/v1/dda/accounts/:accountNumber/restrictions
      params:
      - name: accountNumber
        value: ''
        type: path
        description: The deposit account number.
      body:
        type: json
        data: '{}'
    docs: Applies a restriction to a deposit account. MODELED body.
  - info:
      name: List account statements.
      type: http
    http:
      method: GET
      url: https://sandbox.crbcos.com/core/v1/dda/accounts/:accountNumber/statements
      params:
      - name: accountNumber
        value: ''
        type: path
        description: The deposit account number.
    docs: Retrieves statement information for a deposit account.
- info:
    name: ACH
    type: folder
  items:
  - info:
      name: Send an ACH payment.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/ach/v1/payments
      headers:
      - name: idempotency-key
        value: ''
        description: Client-generated UUID for safe retries.
      body:
        type: json
        data: "{\n  \"amount\": 100.00,\n  \"currency\": \"USD\",\n  \"accountNumber\": \"\",\n  \"secCode\": \"PPD\"\n}"
    docs: Originates a single ACH payment over the Federal Reserve ACH network. MODELED body.
- info:
    name: Wires
    type: folder
  items:
  - info:
      name: Send a wire transfer.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/wires/v1/payments
      headers:
      - name: idempotency-key
        value: ''
        description: Client-generated UUID for safe retries.
      body:
        type: json
        data: "{\n  \"amount\": 1000.00,\n  \"currency\": \"USD\",\n  \"accountNumber\": \"\"\n}"
    docs: Sends a single domestic wire transfer payment. MODELED body.
  - info:
      name: Cancel a wire transfer.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/wires/v1/payments/:id/cancel
      params:
      - name: id
        value: ''
        type: path
        description: The wire payment ID.
    docs: Cancels a wire transfer payment by ID.
- info:
    name: Instant Payments
    type: folder
  items:
  - info:
      name: Send an instant payment.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/rtp/v1/payments
      headers:
      - name: idempotency-key
        value: ''
        description: Client-generated UUID for safe retries.
      body:
        type: json
        data: "{\n  \"amount\": 250.00,\n  \"currency\": \"USD\",\n  \"accountNumber\": \"\",\n  \"network\": \"RTP\"\n}"
    docs: Initiates a single instant payment over CRNow, RTP, or FedNow. MODELED body.
  - info:
      name: Get supported instant-payment services.
      type: http
    http:
      method: GET
      url: https://sandbox.crbcos.com/rtp/v1/directory?routingNumber=
      params:
      - name: routingNumber
        value: ''
        type: query
        description: ABA routing number to query.
    docs: Retrieves the instant-payment services supported by a financial institution.
- info:
    name: Cards
    type: folder
  items:
  - info:
      name: List cards.
      type: http
    http:
      method: GET
      url: https://sandbox.crbcos.com/cardmanagement/v1/cards
    docs: Returns details about cards matching the supplied filters.
  - info:
      name: Create a card.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/cardmanagement/v1/cards
      body:
        type: json
        data: "{\n  \"customerId\": \"\",\n  \"accountNumber\": \"\",\n  \"cardType\": \"physical\"\n}"
    docs: Requests creation of a new debit card. MODELED body.
  - info:
      name: Get a card.
      type: http
    http:
      method: GET
      url: https://sandbox.crbcos.com/cardmanagement/v1/cards/:id
      params:
      - name: id
        value: ''
        type: path
        description: The card ID.
    docs: Returns the details of a specific debit card by ID.
  - info:
      name: Activate a card.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/cardmanagement/v1/cards/:id/activate
      params:
      - name: id
        value: ''
        type: path
        description: The card ID.
    docs: Activates a card for a customer.
  - info:
      name: Close a card.
      type: http
    http:
      method: POST
      url: https://sandbox.crbcos.com/cardmanagement/v1/cards/:id/close
      params:
      - name: id
        value: ''
        type: path
        description: The card ID.
    docs: Permanently deactivates a card. Closed cards cannot be reactivated.
- info:
    name: Lending
    type: folder
  items:
  - info:
      name: Add a loan.
      type: http
    http:
      method: POST
      url: https://arixapisandbox.crbnj.net/loan
      body:
        type: json
        data: '{}'
    docs: Creates a loan record in the lending system (separate host and OAuth server). MODELED body.
  - info:
      name: Get loan details.
      type: http
    http:
      method: GET
      url: https://arixapisandbox.crbnj.net/loandetail/:id
      params:
      - name: id
        value: ''
        type: path
        description: The loan ID.
    docs: Retrieves the details of a loan by ID.
  - info:
      name: Request loan funding rails.
      type: http
    http:
      method: PUT
      url: https://arixapisandbox.crbnj.net/loan/:id/fundinginfo
      params:
      - name: id
        value: ''
        type: path
        description: The loan ID.
      body:
        type: json
        data: '{}'
    docs: Requests new payment rails for funding a loan. MODELED body.
bundled: true