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.
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.
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.
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.
No legacy systems
~99.9% historical uptime
Complete API calls in split seconds
24/7 monitoring and support
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’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.
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.
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.
* fees associated with opening and maintaining subledgers