COS-Hero-Nation3DInfinityLoopCircle-1280

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
  }
],

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.

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"
  }
}

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

_*_{fees associated with opening and maintaining subledgers}