XPay transfers funds between CRB and an MPL account within the Cross River Operating System (COS). XPay transfers are executed internally within CRB and are immediate. Once funds are in the MPL account, they can use the funds in any of these use cases:

• Fund 3rd parties to make the final payment to the borrower
• ACH to merchants (Point-of-Sale payments)
• Recycle a loan for a repeat customer

{
    "LoanId": "bbedd717-8589-4411-b6da-ac6e0097bf51",
    "Rails": [
        {
        "XPayFields": {
            "ToAccountName": "",
            "ToAccountNumber": "2392433617",
            "Description": "A1B2C3"
            },
            "RailType": "COSXPay",
            "Priority": 1,
            "Amount": 7111.12
      }
    ]
}

Request parameters