Cross River Bank

aid: cross-river-bank
url: https://raw.githubusercontent.com/api-evangelist/cross-river-bank/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.
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - 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: '0.19'
apis:
  - aid: cross-river-bank: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: cross-river-bank: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:
      - Accounts
      - Deposits
      - FDIC
    properties:
      - type: Documentation
        url: https://docs.crossriver.com
  - aid: cross-river-bank: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: cross-river-bank: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: cross-river-bank: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: cross-river-bank: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:
      - Stablecoin
      - Crypto
      - Pay-In
      - Pay-Out
    properties:
      - type: Documentation
        url: https://docs.crossriver.com
  - aid: cross-river-bank: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:
      - Webhooks
      - Events
    properties:
      - type: Documentation
        url: https://docs.crossriver.com
  - aid: cross-river-bank: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: 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
integrations:
  - name: Visa
  - name: Mastercard
  - name: FedNow
  - name: The Clearing House (RTP)
  - name: NACHA (ACH)
  - name: Fedwire
maintainers:
  - FN: Kin Lane
    email: [email protected]