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Full detail: Where this data comes from
Cross River is a regulated bank (FDIC member, Fort Lee, NJ) that delivers embedded finance and Banking-as-a-Service (BaaS) through the Cross River Operating System (COS) - a collection of RESTful APIs for deposit accounts, ACH, wires, instant payments (RTP, FedNow, CRNow), card issuing and processing, lending, and customer management (KYC / onboarding).
Cross River is a chartered, regulated bank, and COS is partner/enterprise-gated - there is no open, self-service signup:
- Programs are onboarded through Cross River sales and a relationship manager (start at crossriver.com/contact).
- During onboarding you are provisioned OAuth 2.0 client credentials (
client_id/client_secret) for the sandbox (https://sandbox.crbcos.com), and later for production at go-live. - The production base URL is not published in the open documentation - it is issued as part of your program.
- The public documentation at docs.crossriver.com is openly readable (paths, methods, concepts, per-module base URLs), but the live sandbox and the full OpenAPI / Postman collection are shared only with onboarded partners.
Because of this, the OpenAPI in this repo has confirmed endpoint paths and methods (from the public docs) but modeled request/response body schemas - clearly flagged inline. Verify field-level schemas against the partner-provided collection.
APIs.json: https://raw.githubusercontent.com/api-evangelist/cross-river/refs/heads/main/apis.yml
OAuth 2.0 client credentials grant. POST client_id, client_secret, and grant_type=client_credentials (optionally audience and scope) to the COS identity provider:
- Core modules (sandbox):
https://idptest.crbcos.com/connect/token - Lending (sandbox):
https://oauthtest.crbnj.net/connect/token
The response is a signed JWT that must be sent as Authorization: Bearer <token> on every request.
- 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
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.
- Human URL: https://docs.crossriver.com/apis/accounts
- Base URL:
https://sandbox.crbcos.com/core
- Accounts
- Deposits
- DDA
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.crossriver.com/apis/payments/ach
- Base URL:
https://sandbox.crbcos.com/ach
- ACH
- Payments
- Same Day ACH
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Send domestic wire transfer payments, cancel wires, and handle drawdown requests and responses. Part of the COS Payments module.
- Human URL: https://docs.crossriver.com/apis/payments/wires
- Base URL:
https://sandbox.crbcos.com/wires
- Wires
- Fedwire
- Payments
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.crossriver.com/apis/payments/instant-payments
- Base URL:
https://sandbox.crbcos.com/rtp
- RTP
- FedNow
- Instant Payments
- Documentation
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.crossriver.com/apis/cards
- Base URL:
https://sandbox.crbcos.com/cardmanagement
- Cards
- Card Issuing
- Debit
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.crossriver.com/apis/lending
- Base URL:
https://arixapisandbox.crbnj.net
- Lending
- Loans
- Loan Origination
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.crossriver.com/apis/customer-management
- Base URL:
https://sandbox.crbcos.com/core
- KYC
- Onboarding
- Customer Management
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Does Cross River expose a documented public WebSocket API? No. COS is request/response REST over HTTPS; asynchronous notifications are delivered by COS Webhooks (HTTP callbacks), not a wss:// stream. See review.yml. No AsyncAPI document was authored.
FN: Kin Lane Email: kin@apievangelist.com