openapi: 3.0.3
info:
  title: Cross River Operating System (COS) Accounts API
  description: 'The Cross River Operating System (COS) is a collection of RESTful APIs from Cross River Bank (an FDIC-member bank) for embedded finance and Banking-as-a-Service - deposit accounts, ACH, wires, instant payments (RTP / FedNow / CRNow), card issuing and management, lending, and customer management (KYC / onboarding). COS is organized around REST with object-oriented URLs and JSON responses, and uses OAuth 2.0 (client credentials grant) to issue a signed JWT Bearer access token that must be sent on every request.

    ACCESS MODEL: Cross River is a regulated bank and COS access is partner/enterprise-gated. Programs are onboarded via Cross River sales and a relationship manager, who provision client_id / client_secret credentials for the sandbox (https://sandbox.crbcos.com) and, after go-live, for production. The public production base URL is not published in the open documentation.

    GROUNDING NOTE: The paths, methods, and module base URLs in this document are grounded in the public Cross River developer documentation at docs.crossriver.com (as of 2026-07-12). Because the live sandbox is credential-gated, request and response BODY SCHEMAS below are MODELED representative structures, not copied from the credential-gated OpenAPI / Postman collection Cross River shares with onboarded partners. Verify exact field names and required properties against the official reference and the partner-provided collection.'
  version: '1.0'
  contact:
    name: Cross River
    url: https://www.crossriver.com/
  license:
    name: Proprietary
    url: https://www.crossriver.com/
servers:
- url: https://sandbox.crbcos.com
  description: COS sandbox host for the core modules (Core, ACH, Wires, RTP, Cards, etc.). Requires partner-provisioned OAuth2 credentials. Production host is issued separately during go-live and is not publicly documented.
- url: https://arixapisandbox.crbnj.net
  description: Lending / loan origination sandbox host (separate from the core COS host).
security:
- oauth2ClientCredentials: []
tags:
- name: Accounts
  description: Deposit accounts and subledgers (COS Core module, /core/v1/dda).
paths:
  /core/v1/dda/accounts:
    post:
      operationId: createAccount
      tags:
      - Accounts
      summary: Open a deposit account
      description: Creates a deposit account (DDA) based on a product ID for a customer. MODELED request body.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AccountInput'
      responses:
        '200':
          description: The created account.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /core/v1/dda/accounts/{accountNumber}/restrictions:
    parameters:
    - $ref: '#/components/parameters/AccountNumber'
    post:
      operationId: addAccountRestriction
      tags:
      - Accounts
      summary: Restrict an account
      description: Applies a restriction (e.g. hold, freeze) to a deposit account. MODELED request body.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Restriction confirmation.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StatusResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /core/v1/dda/accounts/{accountNumber}/statements:
    parameters:
    - $ref: '#/components/parameters/AccountNumber'
    get:
      operationId: listAccountStatements
      tags:
      - Accounts
      summary: List account statements
      description: Retrieves statement information for a deposit account.
      responses:
        '200':
          description: A list of statements.
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: array
                    items:
                      type: object
                      additionalProperties: true
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  responses:
    ValidationError:
      description: The request payload failed validation.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Missing or invalid Bearer token.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    AccountNumber:
      name: accountNumber
      in: path
      required: true
      description: The deposit account number.
      schema:
        type: string
  schemas:
    AccountInput:
      type: object
      description: MODELED. Verify required fields against the official reference.
      required:
      - productId
      - customerId
      properties:
        productId:
          type: string
          description: The deposit product to open the account under.
        customerId:
          type: string
        currency:
          type: string
          default: USD
    Error:
      type: object
      properties:
        error:
          type: object
          properties:
            code:
              type: string
            message:
              type: string
            details:
              type: object
              additionalProperties: true
    Account:
      allOf:
      - $ref: '#/components/schemas/AccountInput'
      - type: object
        properties:
          accountNumber:
            type: string
          status:
            type: string
          availableBalance:
            type: number
    StatusResponse:
      type: object
      properties:
        id:
          type: string
        status:
          type: string
  securitySchemes:
    oauth2ClientCredentials:
      type: oauth2
      description: 'OAuth 2.0 client credentials grant. POST client_id, client_secret and grant_type=client_credentials to the COS identity provider token endpoint (sandbox: https://idptest.crbcos.com/connect/token; lending uses https://oauthtest.crbnj.net/connect/token). The response is a signed JWT that must be sent as `Authorization: Bearer <token>` on every request.'
      flows:
        clientCredentials:
          tokenUrl: https://idptest.crbcos.com/connect/token
          scopes: {}