Cross River Bank Authentication

generated: '2026-07-12'
method: derived
source: docs.crossriver.com + openapi/cross-river-openapi.yml
summary:
  types:
  - oauth2
schemes:
- name: oauth2ClientCredentials
  type: oauth2
  flow: clientCredentials
  tokenUrl: https://idptest.crbcos.com/connect/token
  description: >-
    OAuth 2.0 client credentials grant. Partners are provisioned a client_id and
    client_secret during onboarding, then POST client_id, client_secret, and
    grant_type=client_credentials (optionally audience and scope) to the COS
    identity provider token endpoint. The sandbox token endpoint is
    https://idptest.crbcos.com/connect/token; the lending module uses
    https://oauthtest.crbnj.net/connect/token. The response is a signed JWT that
    must be sent as `Authorization: Bearer <token>` on every API request.
  sources:
  - https://docs.crossriver.com/get-started/quickstart/get-access-token
  - https://docs.crossriver.com/get-started/api-basics
  - openapi/cross-river-openapi.yml
notes: >-
  Access is partner/enterprise-gated - there is no open self-service signup.
  Credentials for sandbox and, later, production are issued by Cross River during
  onboarding. Production token/host URLs are provisioned at go-live and are not
  published in the open documentation.