Welcome to Lead

Lead is a bank built for builders: programmable financial services delivered through REST APIs, with the compliance infrastructure of a regulated sponsor bank underneath. Partners use Lead to store money, move money, lend, and issue cards — separately or in combination.

What You Can Build with Lead

Lead organizes its capabilities into four product pillars. Most programs combine more than one.

Lend

Originate term loans and lines of credit — both secured & unsecured — and disburse funds to where they need to go.

Issue

Issue debit, prepaid, & credit cards through your card-issuing processor while Lead handles settlement flows & oversight.

Move

Send and receive payments and transfers across domestic, international, and blockchain rails.

Store

Hold customer funds in deposit accounts with FDIC insurance and optimized account structures for your program.

How Lead is put together

Lead represents every program with a small set of core objects — the same objects across every product. The ones you’ll meet first:

Object	What it Represents
Entity	A legal person or organization — an individual, sole proprietor, or business. The starting point for every customer relationship. KYC and OFAC screening apply at the Entity level.
Account	A financial product held by one or more entities.
Account Number	A routable address that money can be sent to or from. Multiple account numbers can map to a single account/balance.
Balance	The current and available funds on an account, including any subledger balances you maintain.
Transaction	An individual debit or credit posted to an account, with full lineage back to the originating payment.
Additional objects	See the Object Model for the complete set and how they connect.

See the Object Model for the complete set of objects and how they connect. Two things to understand early, because they shape everything else: which of Lead’s APIs execute versus report (Executing vs. Reporting) and which integration surface each product uses today — Lead is moving from a hybrid file-and-API model to fully API-based, and Integration Surfaces by Product states the current truth per product, with the forward story in Platform Evolution.

If you’ve worked with another BaaS platform, an Entity maps to a customer record, and an Account Number to a routable destination.For full relationship and lifecycle details, see Object Model in Core Concepts.

Where to Start

Pick the path that matches your role on the implementation team. If you’re a developer:

Make Your First Payment API Call (15 minutes): Authenticate, create an entity, assign an account number, simulate an incoming ACH credit, and send an outgoing ACH.
Originate Your First Loan (25 minutes): Authenticate, create a borrower Entity, record the underwriting decision as an Application, open a credit-enabled Account, define the loan terms on a Subledger Balance, and execute your first Funding request.
Sandbox Environment: Understand what’s available and simulated.

If you’re a product or program manager:

Program Launch: The contracting, due diligence, and technical integration milestones from kickoff to testing and go-live.

If you’re leading compliance or risk:

Partner Site: SLAs, compliance and data requirements, risk management framework, program policies, and more.

Welcome

Quickstart

Testing

What You Can Build with Lead

Lend

Issue

Move

Store

How Lead is put together

Where to Start

​What You Can Build with Lead

Lend

Issue

Move

Store

​How Lead is put together

​Where to Start

What You Can Build with Lead

How Lead is put together

Where to Start