Cross River · Rate Limits

Cross River Rate Limits

Cross River does not publish fixed numeric per-endpoint rate limits for the Cross River Operating System (COS) in its open documentation. Practical throughput and value limits are governed by (1) the payment network rules - for example instant-payment value caps of $1M on RTP, $500K on FedNow, and unlimited on CRNow - and (2) the per-program limits set in the partner agreement. COS uses standard HTTP response codes; clients should treat 429 as a throttling signal and use an idempotency-key on write operations so requests can be retried safely without duplication.

Cross River Rate Limits is the machine-readable rate-limit profile for Cross River on the APIs.io network, conforming to the API Commons Rate Limits specification.

It captures 5 rate-limit definitions, measuring requests, usd, and transactions.

The profile also includes 3 backoff/retry policies defined and response codes documented for throttled.

Tagged areas include Embedded Finance, Payments, Rate Limiting, and Quotas.

5 Limits Throttle: 429
Embedded FinancePaymentsRate LimitingQuotas

Limits

API Request Rate program
requests
not published
No fixed numeric request-rate limit is published for COS in the open documentation.
RTP Payment Value transaction
usd
1000000
Per-transaction value cap for RTP (The Clearing House).
FedNow Payment Value transaction
usd
500000
Per-transaction value cap for FedNow (Federal Reserve).
CRNow Payment Value transaction
usd
-1
CRNow (Cross River's on-us instant rail) has no stated value cap.
Program Velocity Limits program
transactions
per agreement
Transaction velocity and volume limits are set per program in the partner agreement.

Policies

Idempotency
Write operations accept an idempotency-key (UUID) header so a retried request is not processed twice.
Backoff Strategy
Clients should implement exponential backoff with jitter and honor Retry-After on 429 responses.
Network Rules
Instant-payment value caps are governed by the underlying network (RTP/FedNow) rather than by a Cross River API limit.

Sources