Cross River’s Operating System

Proprietary banking infrastructure for fintech developers

One banking core, hundreds of APIs, and an infinite number of solutions built on Cross River’s connected platform (COS) power the payments, banking, card programs, and lending services you need to grow your business. COS is a collection of REST APIs that enable unique financial products to be built and managed seamlessly.

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Embed Financial Services

Lending

Payment

P2C

Cards

APIs with superior standards for marketplace-lending loan validation and funding solutions.

One core. Many rails. Enable ACH, RTP, wires, merchant acquiring services and more.

A proprietary payment gateway for near real-time fund disbursements, enabling Cross River’s push-to-card payment rail.

API connections to major card networks and Cross River’s account offerings.



"LoanNumber": {{loanNumber}},
 "IssuingBankId": "CRB",
 "Platform": "string",
 "LoanType": 1,
 "NoteDate": "2019-12-31",
 "BorrowerLastName": {{$randomLastName}},
 "BorrowerFirstName": {{$randomFirstName}},
 "BorrowerDOB": "1986-12-31",
 "BorrowerSSN": {{borrowerSSN}},
 "BorrowerAddress": {{borrowerAddress}},
 "BorrowerCity": {{$randomCity}},
 "BorrowerState": {{borrowerState}},
 "BorrowerZip": {{borrowerZip}},
 "LoanAmount": 1500,
 "NetFunding": 1300,

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POST /ach/v1/payments
{
  "accountNumber": "1234567890",
  "receiver": {
    "routingNumber": "021000021",
    "accountNumber": "456789000",
    "accountType": "Checking",
    "name": "Bob Smith",
    "identification": "XYZ123",
  },
  "secCode": "PPD",
  "description": "Payment",
  "transactionType": "Push",

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{
"result": {
  "transactionRequestId": "e91ea2c5-e8dc-4790-acf7-5dea1cab7216",
  "amount": 100,
  "transactionRequestedAt": "2022-09-10T00:28:37.76",
  "transactionStatus": "Succeeded",
  "errorDescription": "null",
  "creditCardId": "OMOZBSFLNAUG8E2134UDH18WILO2QDA9K6XQVN",
  "railId": "RS2",
  "network": "visa",
  "retrievalReferenceId": "null"
  "actualTransactionDoneAt": "2022-09-10T12:28:51",
  "paymentSent": true,
  "requestApproved": true,
  "responseReceived": true,
  "responseCode": "00",
  "responseDescription": "Approved",
  "traceNumber": "null",
  "error": "null",
  "sourceSenderName": "Cooks",
  "sourceMcc": "5981",
  },
  "isSuccessful": true
}

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POST /core/v1/cm/customers
{
  "partnerId": "00000000-0000-0000-0000-000000000000",
  "name": {
    "prefix": "Mr.",
    "firstName": "John",
    "middleName": "Robert",
    "lastName": "Smith",
    "suffix": "Jr.",
    "preferredName": "Jim"
  },
  "classification": "Personal",
  "profile": {
    "regO": false,
    "citizenshipCountryCode": "US",
    "politicallyExposedPerson": false,
    "enableBackupWithholding": false,
    "backupWithholdingPercent": 0,
    "taxIdType": "Ssn",
    "taxId": "123456789",
    "birthDate": "1965-09-15",
    "riskRating": "Low",
    "privacyOptOut": true
  }
}

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Person writing down on a notebook in an office

Cross River APIs in action

‍

Open accounts via API in seconds

Cross River provides several different account types and solutions through a suite of products. COS supports transactional and non-transactional accounts, including demand deposit accounts that can be operational in seconds.

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{
  "Loan": {
    "LoanNumber": {{loanNumber}},
    "IssuingBankId": "CRB",
    "Platform": "string",
    "LoanType": 1,
    "NoteDate": "2019-12-31",
    "BorrowerLastName": {{$randomLastName}},
    "BorrowerFirstName": {{$randomFirstName}},
    "BorrowerDOB": "1986-12-31",
    "BorrowerSSN": {{borrowerSSN}},
    "BorrowerAddress": {{borrowerAddress}},
    "BorrowerCity": {{$randomCity}},
    "BorrowerState": {{borrowerState}},
    "BorrowerZip": {{borrowerZip}},
    "LoanAmount": 1500,
    "NetFunding": 1300,
    "Rate": 0.2,
    "APR": "10",
  }
},

Subledgers

COS offers the ability to create subledgers instantly and on-demand. A subledger can be linked to any existing deposit account, also known as the master account, and enables effective reconciliation of sub accounts.

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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"
  }
}

Benefits of working with Cross River

Cross River brings technology and expertise to the forefront and exemplifies what a true partnership should look like. From superlative functionality to a consultative approach that can provide guidance to your strategic product roadmap, Cross River is a one-stop-shop for embedded finance.

Compliance

Scalability

Foresight &

innovation

Ready to get started?

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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.