Cross River's Operating System

A proprietary API-driven‍ bank core

COS connects users to a range of banking solutions across payments,
lending, and cards, powered by thousands of APIs — optimal for business growth.

Get In Touch

Explore API Documentation

COS enables better user experiences

‍

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.

Explore API Documentation



“ProcessedRails”: [
  {
     “Id”: 167938,
     “RailId”: “34a65c5e-2e28-498d-bef1-ad6201338e26”,
     “LoadId”: “87a65c5e-306a-47ff-b3e7-ad6201338e26”,
     “RailType”: “COCXPay”,
     “AmountFunded”: 8000.000000,
     “RailTrasactionID”: “7753aa0f-4aeb-4694-4694”,
     “Fundresult”: “Sucess”,
     “Message”: “A1B2C3”,
     “ProcessedAt”: “/Date(16260342345553-0000)/”,
     “DateCreated”: “/Date(16260342345586-0000)/”,
     “RailAmount”: 8000.000000
  }
],

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.

Learn More



POST /core/v1/dda/subaccounts
{
  "masterAccountNumber": "2001231234",
  "title": "Acme Co",
  "beneficiary": {
    "referenceId": "ABC789",
    "entityName": "Acme Co",
    "streetAddress1": "400 Business Street",
    "streetAddress2": "Suite 123",
    "city": "New York",
    "state": "NY",
    "postalCode": "10025",
    "countryCode": "US",
    "phoneNumber": "2015551234",
    "emailAddress": "acme@test.com",
    "notes": "Testing 123"
  }
}

COS was built for growth

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."

Neal Harm

Chief Operating Officer

Fintanium

Design customizable solutions

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.

Invest in a future-proof bank core

By understanding market trends and changing consumer behaviors, Cross River continuously works towards the
next phase of innovation and remains at the forefront of banking technology.

Learn More

"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."

Assaf Cohen

CEO

Pay.com

Ready to get started?

We bridge the best of both worlds. The technology support you want, combined with the banking expertise you need to create a customized banking solution no matter what your business needs may be.

Get In Touch

Explore API Documentation