Cross River Bank

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.

Cross River Bank is listed with 8 APIs on the APIs.io network. Tagged areas include Banking, Banking as a Service, Sponsor Bank, Embedded Finance, and Payments.

Cross River Bank’s developer surface includes support, getting-started guide, authentication, signup flow, documentation, engineering blog, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

23.5/100 emerging ▬ flat Agent 5/100 human only Front door AI 4/6 moderate Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

AccessFreeSelf serve⚡ Free to try

8 APIs

Banking Banking as a ServiceSponsor BankEmbedded Finance Payments ACH RTP FedNow Cards Lending Stablecoins

Kin Score

Kin Score How this is scored →
scored 2026-11-02 · rubric v0.26.0

Composite quality — 23.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 4.9 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 6.7 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 5/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 28.9 — up to +14.2 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/crossriver/apis.yml: open an issue on github.com/api-evangelist/crossriver to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Stablecoins and Tokenization (stablecoin issuers, tokenized assets)	standard	17.2 (thin)	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	standard	17.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

NACHA

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 8

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

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.

Scroll for all 8

Pricing Plans 1

Published pricing tiers and plan structures.

Cross River Bank Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Cross River Bank Rate Limits

2 limits

RATE LIMITS

FinOps 1

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

Cross River Bank Finops

FINOPS

Security Posture 2

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

Cross River Bank Authentication

oauth2 · 1 scheme

SECURITY

Cross River Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

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

Cross River Bank Agentic Access

22 operations · 16 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Signup

PartnerPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

ContactSales

ContactSales

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

COS

COS

Source (apis.yml)

aid: crossriver
url: https://raw.githubusercontent.com/api-evangelist/crossriver/refs/heads/main/apis.yml
name: Cross River Bank
kind: company
description: 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.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Free · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cross-river-bank.png
tags:
- Banking
- Banking as a Service
- Sponsor Bank
- Embedded Finance
- Payments
- ACH
- RTP
- FedNow
- Cards
- Lending
- Stablecoins
tags_raw:
- Banking
- Banking as a Service
- Sponsor Bank
- Embedded Finance
- Payments
- ACH
- RTP
- FedNow
- Cards
- Lending
- Stablecoin
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.23'
apis:
- aid: crossriver:cos
  name: Cross River Operating System (COS)
  description: Proprietary API-driven banking core that underpins all Cross River partner programs. Provides a real-time subledger,
    KYC / KYB, compliance workflows, accounts, payments, cards, and lending primitives behind a unified REST API surface.
    Access is granted to onboarded partners only.
  humanURL: https://www.crossriver.com/cos
  baseURL: gated-partner-access
  tags:
  - Core Banking
  - Subledger
  - Platform
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: crossriver:accounts-api
  name: Cross River Accounts API
  description: 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, statements, holds, and account-level controls.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Account
  - Deposits
  - FDIC
  tags_raw:
  - Accounts
  - Deposits
  - FDIC
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: crossriver:payments-api
  name: Cross River Payments API
  description: 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, and reporting.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Payments
  - ACH
  - RTP
  - FedNow
  - Wire
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: crossriver:card-payments-api
  name: Cross River Card Payments API
  description: Card issuing and processing API spanning Visa, Mastercard, and regional networks. Supports debit, credit, and
    prepaid programs, virtual / physical card lifecycle, authorizations, settlement, and merchant acquiring.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Cards
  - Issuing
  - Acquiring
  - Visa
  - Mastercard
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: crossriver:lending-api
  name: Cross River Lending / Loan Funding API
  description: Marketplace-lending and loan-origination API used by fintech lending partners for consumer and SMB loan origination,
    underwriting, funding, servicing, participation, and securitization.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Lending
  - Origination
  - Loans
  - Marketplace Lending
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: crossriver:stablecoin
  name: Cross River Stablecoin Payments
  description: 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.
  humanURL: https://www.crossriver.com/stablecoin
  baseURL: gated-partner-access
  tags:
  - Stablecoins
  - Cryptocurrency
  - Pay-In
  - Payout
  tags_raw:
  - Stablecoin
  - Crypto
  - Pay-In
  - Pay-Out
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: crossriver:webhooks
  name: Cross River Webhooks
  description: Outbound webhook events covering account, payment, card, and lending lifecycle changes. Endpoints and signing
    secrets are configured per partner program.
  humanURL: https://docs.crossriver.com
  baseURL: customer-configured
  tags:
  - Webhook
  - Event
  tags_raw:
  - Webhooks
  - Events
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
- aid: crossriver:postman
  name: Cross River Postman Collection
  description: Postman collection of the COS APIs distributed to onboarded partners to accelerate sandbox testing and integration
    work.
  humanURL: https://docs.crossriver.com
  baseURL: gated-partner-access
  tags:
  - Postman
  - Tooling
  - Sandbox
  properties:
  - type: Documentation
    url: https://docs.crossriver.com
common:
- type: Plans
  url: plans/cross-river-bank-plans-pricing.yml
- type: RateLimits
  url: rate-limits/cross-river-bank-rate-limits.yml
- type: FinOps
  url: finops/cross-river-bank-finops.yml
- 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-bank-agentic-access.yml
- type: Authentication
  url: authentication/cross-river-bank-authentication.yml
- type: Signup
  url: https://www.crossriver.com/contact
- type: DomainSecurity
  url: security/cross-river-bank-domain-security.yml
- type: Website
  url: https://www.crossriver.com/
- type: Documentation
  url: https://docs.crossriver.com/
- type: PartnerPortal
  url: https://www.crossriver.com/partners
- type: COS
  url: https://www.crossriver.com/cos
- type: ContactSales
  url: https://www.crossriver.com/contact-us
- type: LinkedIn
  url: https://www.linkedin.com/company/cross-river-bank
- type: LlmsText
  url: https://docs.crossriver.com/llms.txt
- url: https://www.crossriver.com/insights
  type: Blog
integrations:
- name: Visa
- name: Mastercard
- name: FedNow
- name: The Clearing House (RTP)
- name: NACHA (ACH)
- name: Fedwire
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Cross River Bank API — frequently asked questions

Does Cross River Bank have an API?

Yes. APIs.io lists 8 APIs from Cross River Bank, including Cross River Operating System (COS), Cross River Accounts API and Cross River Payments API, and 5 more.

How do I authenticate with the Cross River Bank API?

Cross River Bank uses bearer-token authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Cross River Bank Authentication.

How much does the Cross River Bank API cost?

APIs.io lists 1 pricing plan for Cross River Bank, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Cross River Bank API ready for AI agents?

Cross River Bank has a Kin Score of 23.5 out of 100 (emerging) and an Agent Readiness score of 4.9 (human-only), scored by API Evangelist on 2026-11-02.

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