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.


Card & Account Programs

Build better card solutions

Design your own card program to enable credit building and a streamlined customer experience. Cross River's card rails and APIs provide complete customization.

Credit Cards

Debit Cards



Our modern BaaS platform and consultative approach, combined with our relationships with Visa, Mastercard, and American Express for card issuing provide a strong foundation for our partners to build cutting edge card solutions for their users.


Andrew Lambert

Senior Product Director, Cards Strategy Cross River


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



Merchant Acquiring Services

Efficient solutions for payment processors

Operationalize multiple disbursement flows, including real-time merchant settlements, to scale your business.

Merchant Payouts

Acquiring BIN Sponsorship

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.

Together, we're redefining financial services

Built on putting our partners first to provide financial technology for everyone, everywhere.

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Featured Solution

Banking from the ground up.

COS is our collection of REST APIs which enable unique financial products to be designed and managed. With no legacy systems getting in the way, you get the same tools to build your product that we use internally.

Built for Developers

Technology is at the core of what we do

  • { "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": {{$randomCity}}, "BorrowerState": {{borrowerState}}, "BorrowerZip": {{borrowerZip}}, "LoanAmount": 1500, "NetFunding": 1300, "Rate": 0.2, "APR": "10", "BatchId": "string", "BorrowerPhone": {{$randomPhoneNumber}}, "BorrowerEmail": {{$randomEmail}}, "Amortization": 0, "Term": 36, "RateType": 0, "PriorLoanFlag": "string", "FICO": 10, "FICODate": "2017-12-31",, `
    Explore API Documentation
  • Deploy
  • Scale
  • Build.
  • Deploy.
  • Scale.
  • Access our sandbox environment and explore our APIs. Cross River's solutions are ready to power the banking, payments and lending services you need to scale.
  • Partner with Cross River's compliance, risk management and implementation teams to bring your products to market.
  • Once connected, always connected. Cross River's proprietary API-driven banking core seamlessly propels your growth. Expand your customer base and meet growing demands through additional product integrations.

Our Mission

To enable our clients to deliver responsible financial solutions that empower consumers anytime, everywhere.

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We know the complex, ever-shifting regulatory environment of global banking and work to protect our customers, employees, and shareholders.


We provide you with all the modular components you need to build the best products for your business, customize your solution, and get to market fast.


Find all of the services your clilents need today and the foundation for the next generation of financial services, all under one roof.

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