openapi: 3.0.3
info:
  title: Cross River Operating System (COS) Accounts Lending 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: Lending
  description: Loan origination and servicing (separate lending host).
paths:
  /loan:
    post:
      operationId: addLoan
      tags:
      - Lending
      summary: Add a loan
      description: Creates a loan record in the lending system. Served from the separate lending host (arixapisandbox.crbnj.net in sandbox) with its own OAuth server. MODELED request body.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: The created loan.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Loan'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /loandetail/{id}:
    parameters:
    - $ref: '#/components/parameters/Id'
    get:
      operationId: getLoanDetail
      tags:
      - Lending
      summary: Get loan details
      description: Retrieves the details of a loan by its ID.
      responses:
        '200':
          description: The requested loan.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Loan'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /loan/{id}/fundinginfo:
    parameters:
    - $ref: '#/components/parameters/Id'
    put:
      operationId: requestLoanFundingRails
      tags:
      - Lending
      summary: Request loan funding rails
      description: Requests new payment rails for funding a loan. MODELED request body.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: The updated loan funding info.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Loan'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  responses:
    Unauthorized:
      description: Missing or invalid Bearer token.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: The requested resource was not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    Id:
      name: id
      in: path
      required: true
      description: The unique identifier of the resource.
      schema:
        type: string
  schemas:
    Loan:
      type: object
      properties:
        id:
          type: string
        status:
          type: string
        amount:
          type: number
        currency:
          type: string
    Error:
      type: object
      properties:
        error:
          type: object
          properties:
            code:
              type: string
            message:
              type: string
            details:
              type: object
              additionalProperties: true
  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: {}