Cross River's Operating System

A proprietary API-driven‍ bank core

Connect to lending, payments, cards, accounts, and compliance infrastructure through a single operating system.

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Explore API Documentation

COS

Build once and expand endlessly

Customize solutions and scale without limitations from legacy systems with Cross River's API-based banking core

Explore API Documentation

curl --location 'https://sandbox.crbcos.com/core/v1/dda/accounts' \
--header 'Idempotency-key: 025aaf3e-87e5-46e6-ba60-2071c3a69be8' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--data '{
  "customerId": "53c34cf0-4cd2-4768-937b-b30000dffdca",
  "productId": "83bed086-8182-4151-a1e3-af5b01362783",
  "title": "Jerry Penn",
  "statementAddress": {
    "street1": "12 Main St",
    "city": "New York",
    "state": "NY",
    "postalCode": "10001",
    "countryCode": "US"
  }
}

'

Scalability

Handle millions of transactions flawlessly without limitations from legacy systems.

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Single connection

Single connection to multiple services including third-party integrations.

Real-time ledgering

Maintain visibility into master accounts, subaccounts, and wallet balances in realtime.

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Built-in compliance

Leverage Cross River's built-in risk management and compliance infrastructure.

Network interoperability

Route transactions efficiently based on network availability and product configuration across RTP®, FedNow®, and CRNow.

Multi-product optionality

Expand into new banking products without rebuilding your infrastructure.

Access subledgers on demand

Create and manage subledgers instantly within a single account structure. Real-time balance synchronization and automated controls help ensure accuracy, streamline operations, and support growth at scale.

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Learn More

curl --location 'https://sandbox.crbcos.com/core/v1/dda/subaccounts' \
--header 'Idempotency-key: 3392de17-6e92-4999-b943-cad5f19b1629' \
--data '{
  "masterAccountNumber": "2819503463",
  "title": "Jerry Penn",
  "customerId": "53c34cf0-4cd2-4768-937b-b30000dffdca",
  "classification": "Personal",
  "beneficiary": {
    "firstName": "Jerry" ,
    "lastName": "Penn",
    "streetAddress1": "12 Main St",
    "city": "New York",
    "state": "NY",
    "postalCode": "10001",
    "countryCode": "US"
  }
}

'