aid: cross-river url: https://raw.githubusercontent.com/api-evangelist/cross-river/refs/heads/main/apis.yml name: Cross River kind: company description: Cross River is a regulated bank (FDIC member, Fort Lee, NJ) that delivers embedded finance and Banking-as-a-Service (BaaS) through its Cross River Operating System (COS) - a collection of REST APIs for deposit accounts, ACH, wires, instant payments (RTP, FedNow, CRNow), card issuing and processing, lending, and KYC/customer onboarding. Access is partner/enterprise-gated - programs are onboarded through Cross River sales and a relationship manager, and OAuth2 client credentials are provisioned for sandbox and then production. Endpoints are grounded in the public developer documentation at docs.crossriver.com; request/response schemas are modeled where the live sandbox is credential-gated. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Embedded Finance - Banking as a Service - BaaS - Payments - ACH - Wire - Push-to-Card - Lending - Accounts - Cards - Fintech - RTP - FedNow created: '2026-07-12' modified: '2026-07-12' specificationVersion: '0.19' apis: - aid: cross-river:cross-river-accounts-api name: Cross River Accounts API tags: - Accounts - Deposits - DDA image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.crossriver.com/apis/accounts baseURL: https://sandbox.crbcos.com/core properties: - url: https://docs.crossriver.com/apis/accounts type: Documentation - url: https://docs.crossriver.com/apis type: APIReference - url: openapi/cross-river-openapi.yml type: OpenAPI description: Open and manage COS deposit accounts (DDA) and subledgers - create accounts from a product, apply and remove restrictions, retrieve statements and tax documents, and manage time deposits (CDs). Part of the COS Core module. - aid: cross-river:cross-river-ach-api name: Cross River ACH Payments API tags: - ACH - Payments - Same Day ACH image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.crossriver.com/apis/payments/ach baseURL: https://sandbox.crbcos.com/ach properties: - url: https://docs.crossriver.com/apis/payments/ach type: Documentation - url: https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction type: APIReference - url: openapi/cross-river-openapi.yml type: OpenAPI description: Originate and receive ACH payments over the Federal Reserve ACH network - single payments, client batches, same-day ACH, reversals, and returns, with utilization monitoring. Part of the COS Payments module. - aid: cross-river:cross-river-wires-api name: Cross River Wires API tags: - Wires - Fedwire - Payments image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.crossriver.com/apis/payments/wires baseURL: https://sandbox.crbcos.com/wires properties: - url: https://docs.crossriver.com/apis/payments/wires type: Documentation - url: https://docs.crossriver.com/apis type: APIReference - url: openapi/cross-river-openapi.yml type: OpenAPI description: Send domestic wire transfer payments, cancel wires, and handle drawdown requests and responses (request an inbound wire and respond to one). Part of the COS Payments module. - aid: cross-river:cross-river-instant-payments-api name: Cross River Instant Payments API tags: - RTP - FedNow - Instant Payments image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.crossriver.com/apis/payments/instant-payments baseURL: https://sandbox.crbcos.com/rtp properties: - url: https://docs.crossriver.com/apis/payments/instant-payments type: Documentation - url: https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks type: Documentation - url: openapi/cross-river-openapi.yml type: OpenAPI description: Send and receive funds instantly 24/7 across CRNow, RTP (The Clearing House), and FedNow - initiate credit transfers, requests for payment, returns, and query supported financial institutions via the directory. Part of the COS Payments module. - aid: cross-river:cross-river-cards-api name: Cross River Cards API tags: - Cards - Card Issuing - Debit image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.crossriver.com/apis/cards baseURL: https://sandbox.crbcos.com/cardmanagement properties: - url: https://docs.crossriver.com/apis/cards type: Documentation - url: https://docs.crossriver.com/apis type: APIReference - url: openapi/cross-river-openapi.yml type: OpenAPI description: Issue and manage debit cards - create cards, activate, suspend and unsuspend, close, replace lost/stolen/damaged cards, set the PIN, and manage spend controls. Part of the COS Card Management module. - aid: cross-river:cross-river-lending-api name: Cross River Lending API tags: - Lending - Loans - Loan Origination image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.crossriver.com/apis/lending baseURL: https://arixapisandbox.crbnj.net properties: - url: https://docs.crossriver.com/apis/lending type: Documentation - url: https://docs.crossriver.com/apis type: APIReference - url: openapi/cross-river-openapi.yml type: OpenAPI description: Originate and service loans - create and update loan applications, attach documents, request funding payment rails, retrieve loan details, and cancel loans. Uses a separate lending host and OAuth server from the core COS modules. - aid: cross-river:cross-river-customer-management-api name: Cross River Customer Management API tags: - KYC - Onboarding - Customer Management image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.crossriver.com/apis/customer-management baseURL: https://sandbox.crbcos.com/core properties: - url: https://docs.crossriver.com/apis/customer-management type: Documentation - url: https://docs.crossriver.com/apis type: APIReference - url: openapi/cross-river-openapi.yml type: OpenAPI description: Create and manage the customer records (KYC/onboarding) required before opening accounts or issuing cards - personal and business customers, beneficial owners, identifications, addresses, phones, email, due diligence, and profile updates. Part of the COS Core module. common: - type: AgenticAccess url: agentic-access/cross-river-agentic-access.yml - type: DomainSecurity url: security/cross-river-domain-security.yml - type: Authentication url: authentication/cross-river-authentication.yml - type: Website url: https://www.crossriver.com/ - type: Documentation url: https://docs.crossriver.com/ - type: SignUp url: https://www.crossriver.com/contact - type: LinkedIn url: https://www.linkedin.com/company/cross-river-bank - type: Plans url: plans/cross-river-plans-pricing.yml - type: RateLimits url: rate-limits/cross-river-rate-limits.yml - type: FinOps url: finops/cross-river-finops.yml maintainers: - FN: Kin Lane email: kin@apievangelist.com