The instant invention provides cross-linkable coating compositions, process for producing the same, and substrates coated therewith. The cross-linkable coating composition comprises: (a) polyaldehyde, or acetal or hemiacetal thereof; (b) an acid catalyst having pKa of less than 6; (c) a liquid media; (d) an acrylic polycarbamate comprising at least an average of 2.0 carbamate functional groups, wherein said polycarbamate has a glass transition (Tg) of less than 25° C.; and (e) one or more fillers having a pH in the range of equal to or less than 9 and/or one or more pigments having a pH in the range of equal to or less than 9, and/or one or more additives having a pH in the range of equal to or less than 9, wherein said composition has a curing temperature in the range of less than 70° C.