# Cross River

**Canonical:** https://apis.io/providers/cross-river/  
**Website:** https://www.crossriver.com/  
**APIs profiled:** 7

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.

## Kin Score — 44.9 / 100 (developing)

Scored 2026-08-24 under rubric 0.13.0. Trend: flat (-0.4 from 45.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 53.1 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 50.0 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Payments**: 25.0 (matched via tags).

## Agent readiness — 24.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | negotiable |
| 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (7)

- **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).

## Agentic access (1)

- **Cross River Agentic Access** — 22 operations · 16 acting

## Security (2)

- **Cross River Authentication** — oauth2 · 1 scheme
- **Cross River Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Cross River Plans Pricing**

## Tags

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

---

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