![COS-Hero-Nation3DInfinityLoopCircle-1280](http://images.ctfassets.net/acre3mq2tjuq/20ZCJ5xYxmOSGvmfuz9rKM/73f5647b19ba2000929c0165d21790cd/COS-Hero-Nation3DInfinityLoopCircle-1280.png?w=100&q=75&fm=jpg)
Create a stronger tech stack
COS supports third-party integrations, enabling any fintech to seamlessly integrate its own software systems into Cross River’s API infrastructure and easily offer banking services to customers.
![Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.](http://images.ctfassets.net/acre3mq2tjuq/4IOXLp5IUdZBKBjAOraKjl/e9f7905532c2642e109c09c36809289a/COS-COSEnables-AppleWatchDeveloper-9by16.png?w=100&q=75&fm=jpg)
Access subledgers on demand
Cross River’s technology offers the ability to create multiple subledgers* for a single master account, instantly. With automated balance checks every step of the way, all accounts are always in sync.
![Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.](http://images.ctfassets.net/acre3mq2tjuq/3VxyBXXFAxoWRLjPVykrGI/2cbcff208280916e39a2eff55aa74e2c/COSSubledger-003.png?w=100&q=75&fm=jpg)
![PartnerLogo-Plaid-White](http://images.ctfassets.net/acre3mq2tjuq/3YQljFQgsjq2xxXQnpAufH/78d21f0bec07d4b78121fbc15a25e289/NW-PL-Plaid-W-v002.png?q=75&fm=webp)
![PartnerLogo-Stripe-White](http://images.ctfassets.net/acre3mq2tjuq/4DS0P7M0Zmr82gDtaNhZDm/a400c03c96a8b0c4158938b0ab0be8c9/NW-PL-Stripe-W.png?q=75&fm=webp)
![PartnerLogo-Upgrade-White](http://images.ctfassets.net/acre3mq2tjuq/1Fu9eKdesEu1aJBfIuKZwX/14476323b8227558f0b290a6dcfdee23/NW-PL-Upgrade-W.png?q=75&fm=webp)
![PartnerLogo-BestEgg-White](http://images.ctfassets.net/acre3mq2tjuq/6fO7MMjx1mDBWi8lVDmsXr/ca91288a6ae236ac6cf5e21510cc0412/NW-PL-BestEgg-W.png?q=75&fm=webp)
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![PartnerLogo-Bill-White](http://images.ctfassets.net/acre3mq2tjuq/1FoOH9T8NfGcJUHRUJ4Jej/8b27c9bda2892286488d2621e49893a1/Bill-Logo.png?q=75&fm=webp)
By creating a multi-rail infrastructure across payments, banking, and cards, Cross River meets the evolving needs of partners. Once a fintech is plugged into Cross River’s API-led banking core, scaling to other products across categories is simple. Expand your business through our unifying platform.
Disruptive technology
No legacy systems
Reliability
~99.9% historical uptime
Speed
Complete API calls in split seconds
Technical assistance
24/7 monitoring and support
Scalability
Send thousands of payments in a single API call
Cross River understands our business and the needs of our customers. Their payments suite allows us the flexibility to provide complex business payments solutions and offer a first-class experience to our customers.
![COS-DesignCustomizable-DataPath-16by9](http://images.ctfassets.net/acre3mq2tjuq/2nKxcfu7rpBN9L4TRAEffN/5e0a9036c8a58f681bf4473ecdbe0ae5/COS-DesignCustomizable-DataPath-16by9.png?w=100&q=75&fm=jpg)
COS’s API architecture enables companies to select the precise products and features required for their business, helpful for those seeking off-the-shelf banking solutions or looking for flexible, tailored solutions for their customers.
Our partnership with Cross River is a testament to our commitment to providing merchants with a comprehensive payment solution. With their regulatory infrastructure and expertise in embedded finance, we can offer merchants the latest payment technologies.
![COS-FutureProof-StringLights-16by9](http://images.ctfassets.net/acre3mq2tjuq/7MgdhGdgEfBBuZ2Znv0azV/4b82ada93311bae152d2e80a8bba5041/COS-FutureProof-StringLights-16by9.png?w=100&q=75&fm=jpg)
* fees associated with opening and maintaining subledgers