Changelog

may 2026 product change more information effective date org management updated pages org management portal pages improved and updated to reflect ui improvements content made clearer and more comprehensive org management portal docid\ c90jfvuq2mwirvdsawxgr mcp server new page added page describing how to connect to the mcp server and listing the tools available connect to cross river docs via mcp docid\ uqbugij4pdnhxsipo tdl lending updated page updated page and created sub pages for each api endpoint purchasing a loan docid\ nind2cxz8d2shn6kvbz57 reports new page added a page describing daily account balance report content daily account balance docid\ ip vt9imwck4gqrylpgc1 14/may/2026 cards new page application decisioning schema based apis to validate, submit, and monitor credit card applications, ensuring compliance, data integrity, and fair banking oversight credit card application decisioning api docid\ u22kf uiltq9l1y5pxe69 12/may/2026 accounts updated pages improved the main accounts pages accounts docid\ zqyaf4oei1rezpboi78mj deposit accounts (dda) docid\ ch79cvvk5rkydfluivp d for benefit of (fbo) accounts docid\ tbrkoj7connpbgqukle t subledgers docid\ odzf 4ainebu2yuz5grcs 12/may/2026 accounts new page describes reconciliation and balance sync reconciliation and balance sync docid 5vfbbxzrv2m50lamro kj 12/may/2026 international payments new feature remittance payments are consumer initiated money transfers that must follow regulation e while cross river's partners meet core disclosure and refund rules remittance payments docid 2oolsywmlwzlqagtsspcd lending updated page check delivery section updated check rail docid\ dbssctmmscexm9uobfa4n 6/may/2026 international payments new api cancel payment (remittance) cancel payment docid\ swyrh0f0e40q1dofzmunr card payments new page added card payments testing card numbers page sample cards for testing cos card payments docid\ ojkin15ezztokxdlwb3dn 5/may/2026 card issuing new page added pages explaining our three partner managed models showing how cross river handles funds and ledgers, detailing bin sponsorship, fbo subledgers, pooled accounts, and required daily reconciliations balance and ledger models docid\ z5zkbyq txaz 1bvhxbyg 5/may/2026 card issuing new page explains why programs using fbo accounts must keep clear customer‑level balance records to ensure each user receives full fdic pass‑through insurance coverage balance visibility docid 3npvk0jfosqrv4rbiaasf 5/may/2026 card issuing new page partner managed card programs using the fbo pooled account model can send and receive ach payments through cross river using unique prefixes to route transactions accurately partner managed ach processing docid\ n4v5rmvehgzr3ixhcekow 5/may/2026 card issuing updated page added section about balance visibility and fdic insurance detailing the three partner managed variations partner managed docid\ n sv1g5oidbnwae2xwnsj 5/may/2026 card issuing updated page added information about fdic compliance reporting and compliance docid\ i4b iqavcqfp9m1611twc 5/may/2026 april 2026 product change more information effective date international payments updated page added local currency for mexico supported countries docid\ p cb7wxlzg8of31c9xlgj 29 apr 2026 lending updated page added fields to servicing tape servicing reports docid\ twtdrn1qesyjetbmoegpi 29 apr 2026 lending updated page railresulttype enums updated enums docid\ hpq qwoakv9jprqwkfr1i 28 apr 2026 lending updated page minor update to rail cutoff times loan funding payment rails docid\ gmp bavby6sagcbqllsjm card payments updated page added new error codes for cos card payments error codes cos card payments docid\ i9wcoayosizfkqnhpqqgm 23 apr 2026 card payments updated page updated webhooks for cos card payments to include additional webhooks and updated payload webhook events list docid\ qf6btopbpncplpp9satwi 21 apr 2026 card payments updated page changed description of dynamic descriptors statement descriptor docid 0i53j9w0ykgvwfwzabgz5 20 apr 2026 card payments new page(s) new release of all cos card payments api and concept pages card payments docid\ g7y21fc4eez5gqy za6ly 19 apr 2026 accounts updated page clarified how to use the api endpoint to restrict all subaccounts under a master account, or restrict the master together will all subaccounts restrict account docid\ eickx6djcuo3cryrih8mp 21 apr 2026 accounts new page cos explorer tutorial find an account find an account docid\ t26 viv qntdgfcjd5snl 26 apr 2026 accounts new page cos explorer tutorial manage account restrictions manage account restrictions docid 94wgusdnfhowubequ12ka 26 apr 2026 accounts new page cos explorer tutorial open a subledger (subaccount) open a subledger docid\ jd1oerc7t4gig2wsfe vt 26 apr 2026 accounts new page cos explorer tutorial close a subledger (subaccount) close a subledger docid\ sqil5j4r3jkvhgzpvwa69 26 apr 2026 accounts new page cos explorer tutorial find a subledger (subaccount) find a subledger docid\ q1g1e7sq9z6lumo fpdgc 26 apr 2026 march 2026 product change more information effective date accounts api update added classification attribute to the create subledger (subaccount) endpoint to differentiate between a personal or business subaccount beneficiary create subledger docid\ k40f8ih5snvtbabcej1mr 25 mar 2026 instant payments feature added added new api to retrieve payment reference information for original payment ids the original payment id is sometimes needed when looking at inbound payment return requests payment reference docid\ gkgafhjpqmtxsfhg6xbqs 20 mar 2026 wires feature update wires webhook events added new wires webhook events related to rejects webhook events wires docid\ oa3cg apkn 510vpq2yye 15 mar 2026 instant payments updated page added additional error codes updated table to include missing error codes error codes instant payments old docid 4izipcknc4myp0sd f2h 5 mar 2026 january 2026 product change more information effective date org management feature update user list download via the ui an admin can now download all organization users and their roles org management portal docid\ c90jfvuq2mwirvdsawxgr 25/1/2026 lending ui feature update users can choose which columns they want to see for applications submitted via the preapproval v2 api application decisioning docid\ vwjhfefwgjkj9lggqlvw9 15/1/2026 december 2025 product change more information effective date crypto new product crypto apis crypto apis docid\ lnz2vwmxvaha4yp7mayed lending feature update applications submitted through preapproval v2, can be seen on the application ui application decisioning docid\ vwjhfefwgjkj9lggqlvw9 lending infrastructure update all sandbox environment infrastructure was upgraded to a new cloud platform november 2025 product change more information effective date lending feature update testing pav2 apis can now be done directly via the lending ui internal release application docid\ ptx0f232efvcvlbsyzt6i 19 nov 2025 international payments api update request payment quote api updated to add originator information request payment quote api docid\ onbkgebihvb4ihvb1hakl 17 nov 2025 international payments cos explorer update originate payment updated to add originator information international payments cos explorer tutorial docid\ bqkiaw 2btuctmds463nv 17 nov 2025 international payments feature update added malaysia and the philippines supported countries docid\ p cb7wxlzg8of31c9xlgj lending api update submitting supporting documents for an application now uses the partner's applicationid as the identifier attachments by appid docid\ igxxxxmwhg0xi ekgsvrd 1 nov 2025 october 2025 product change more information lending new feature application decisioning pav2 including 2 new apis application decisioning docid\ vwjhfefwgjkj9lggqlvw9 ach cos explorer update manage ach reversals through the cross river cos explorer interface manage reversal flow docid xttehijz6z3xffueimq september 2025 product change more information cards new feature cross river’s advanced authorization capability allows partners using the integrated issuing model to actively participate in the real time decision making process for card transactions advanced authorization docid 88 iqwsrfzvb0wp1ulwyp international payments update increased the number of supported countries and currencies supported countries docid\ p cb7wxlzg8of31c9xlgj international payments new feature p ayment p urpose c odes (ppcs), also known as payment reason codes, are standardized identifiers that provide the reason for a crossborder or international payment they are considered mandatory or required fields by the central banking authority in certain jurisdictions, i e india, malaysia, and the united arab emirates payment purpose codes docid\ kmgw82p6bkyzjx aojtae