---
title: Network interoperability
slug: concepts/payments/instant-payments/network-interoperability
description: Cross River’s API handles RTP®, FedNow®, and CRNow routing for you, ensuring flexible, reliable, and seamless instant payments across networks.
docTags: 
createdAt: 2025-03-20T09:15:09.939Z
---

## Cross River network interoperability

With Cross River's simple API, your company can use RTP®, FedNow®, or CRNow (Cross River Partner network transfers) without having to worry about their interoperability. 

## Benefits of network interoperability

- **Reachability handled for you: **Cross River selects a network that can reach the receiving institution, so you don't need to maintain your own view of which institutions are reachable on which network.
- **Flexibility:** You can define routing preferences at both the **product** and **transaction** levels.
- **Reliability:** Payments leverage CRNow (intra-bank transfers), RTP®, and FedNow® to ensure seamless delivery.

## Routing preferences

Cross River offers two ways to select a network for an instant payment.

**Automatic network selection** If you don't name a network, Cross River selects one that can reach the receiving institution. You can set a network preference for your product. Payments to accounts held at Cross River settle over CRNow when both partners are enabled for it. If the receiving institution isn't reachable on any network available to you, Cross River returns an error when you submit the payment, so you can send it over another rail.

**Choosing the network yourself** Include the `networkPlatform` attribute in your request to name the network for an individual payment. See the [originate a credit transfer](docId:727H0GkQerqHAFKEy67Uu) endpoint.