aid: crb
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/crb.png
name: CRB
description: >-
  CRB (Cross River Bank) is a New Jersey-chartered, FDIC-insured bank and
  financial technology infrastructure provider founded in 2008 and headquartered
  in Fort Lee, New Jersey. Cross River pairs a regulated bank with an API-driven
  core it calls the Cross River Operating System (COS), letting fintech
  companies, neobanks, lenders, and platforms embed banking, payments, cards,
  and lending products directly into their applications. Its developer platform
  exposes Accounts and Payments APIs spanning ACH, RTP, FedNow, wires,
  international payments, push-to-card, card issuing and processing, subledgers,
  lending origination, and onchain/stablecoin rails, secured with OAuth2 client
  credentials and delivered with an isolated sandbox, Postman collection,
  webhooks, and a dated changelog. Cross River is known for powering leading
  fintech partners including Stripe, Coinbase, Affirm, Upgrade, and Intuit, and
  was surfaced in the API Evangelist network as a Battery Ventures portfolio
  company.
url: https://raw.githubusercontent.com/api-evangelist/crb/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- battery-ventures
x-tier: profiled
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Banking
- Banking as a Service
- Embedded Finance
- Payments
- Fintech
- Lending
- Cards
- ACH
- API
apis:
- name: Cross River Operating System (COS) API
  description: >-
    The Cross River Operating System (COS) API is Cross River's API-driven bank
    core, exposing Accounts and Payments products (ACH, RTP, FedNow, wires,
    international payments, cards, subledgers, and lending) to fintech partners.
    Access is secured with OAuth2 client credentials and available in an isolated
    sandbox.
  humanURL: https://docs.crossriver.com
  tags:
  - Banking
  - Payments
  - Cards
  - Lending
  properties:
  - type: Documentation
    url: https://docs.crossriver.com/concepts
  - type: APIReference
    url: https://docs.crossriver.com
  - type: GettingStarted
    url: https://docs.crossriver.com/get-started/quickstart
  - type: Authentication
    url: authentication/crb-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/crb-domain-security.yml
- type: Website
  url: https://www.crossriver.com/
- type: DeveloperPortal
  url: https://docs.crossriver.com
- type: Documentation
  url: https://docs.crossriver.com/concepts
- type: APIReference
  url: https://docs.crossriver.com
- type: GettingStarted
  url: https://docs.crossriver.com/get-started/quickstart
- type: Authentication
  url: authentication/crb-authentication.yml
- type: Sandbox
  url: sandbox/crb-sandbox.yml
- type: Webhooks
  url: https://docs.crossriver.com
- type: ChangeLog
  url: changelog/crb-changelog.yml
- type: Support
  url: https://docs.crossriver.com/faq
- type: Blog
  url: https://www.crossriver.com/insights
- type: SignUp
  url: https://crossriver.service-now.com/csm?id=cos_sandbox_request_form
- type: PrivacyPolicy
  url: https://www.crossriver.com/legal/privacy-policy
- type: Conventions
  url: conventions/crb-conventions.yml
- type: LLMsTxt
  url: llms/crb-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence