Lead Bank

Lead Bank is a Kansas City-chartered FDIC-insured bank operating as a sponsor bank and embedded-finance infrastructure provider for fintech partners. The platform is organized around four product pillars - Lend (term loans, lines of credit, BNPL, in-app financing), Move (ACH, instant payments, wires, international wires, stablecoin transfers, payment controls), Issue (physical and virtual credit / debit cards, custom account numbers), and Store (FDIC-insured multi-currency deposit accounts). APIs and file integrations (SFTP) are documented at docs.lead.bank but access is gated through Lead Bank's partner-onboarding process. Recognized on the Forbes Next Billion-Dollar Startups and CNBC Disruptor 50 lists.

6 APIs 0 Features

BankingSponsor BankEmbedded FinanceBanking as a ServicePaymentsLendingCardsDeposits

Lead Bank publishes 6 APIs on the APIs.io network. Tagged areas include Banking, Sponsor Bank, Embedded Finance, Banking as a Service, and Payments.

Lead Bank’s developer surface includes documentation, changelog, and 4 more developer resources.

Sources

aid: lead-bank
url: https://raw.githubusercontent.com/api-evangelist/lead-bank/refs/heads/main/apis.yml
name: Lead Bank
kind: company
description: >-
  Lead Bank is a Kansas City-chartered FDIC-insured bank operating as a
  sponsor bank and embedded-finance infrastructure provider for fintech
  partners. The platform is organized around four product pillars - Lend
  (term loans, lines of credit, BNPL, in-app financing), Move (ACH,
  instant payments, wires, international wires, stablecoin transfers,
  payment controls), Issue (physical and virtual credit / debit cards,
  custom account numbers), and Store (FDIC-insured multi-currency deposit
  accounts). APIs and file integrations (SFTP) are documented at
  docs.lead.bank but access is gated through Lead Bank's partner-onboarding
  process. Recognized on the Forbes Next Billion-Dollar Startups and CNBC
  Disruptor 50 lists.
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Banking
  - Sponsor Bank
  - Embedded Finance
  - Banking as a Service
  - Payments
  - Lending
  - Cards
  - Deposits
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.19'
apis:
  - aid: lead-bank:lend
    name: Lead Bank Lend API
    description: >-
      Embedded-credit API supporting term loans, revolving lines of credit,
      in-app financing, and buy-now-pay-later products. Covers origination,
      underwriting, servicing, and disbursement.
    humanURL: https://docs.lead.bank/api-integrations/overview
    baseURL: gated-partner-access
    tags:
      - Lending
      - Credit
      - BNPL
      - Origination
    properties:
      - type: Documentation
        url: https://docs.lead.bank/api-integrations/overview
  - aid: lead-bank:move
    name: Lead Bank Move API
    description: >-
      Money-movement API spanning ACH, instant payments (RTP / FedNow),
      domestic and international wires, stablecoin transfers, and
      partner-configurable payment controls.
    humanURL: https://docs.lead.bank/api-integrations/overview
    baseURL: gated-partner-access
    tags:
      - Payments
      - ACH
      - RTP
      - FedNow
      - Wires
      - Stablecoin
    properties:
      - type: Documentation
        url: https://docs.lead.bank/api-integrations/overview
  - aid: lead-bank:issue
    name: Lead Bank Issue API
    description: >-
      Card-issuing API for physical and virtual credit and debit cards plus
      custom-generated account numbers used in card-program back-ends.
    humanURL: https://docs.lead.bank/api-integrations/overview
    baseURL: gated-partner-access
    tags:
      - Cards
      - Issuing
      - Virtual Cards
    properties:
      - type: Documentation
        url: https://docs.lead.bank/api-integrations/overview
  - aid: lead-bank:store
    name: Lead Bank Store API
    description: >-
      Deposit-account API for opening and managing FDIC-insured accounts on
      behalf of partner-program end users, including multi-currency balances
      and flexible account structures.
    humanURL: https://docs.lead.bank/api-integrations/overview
    baseURL: gated-partner-access
    tags:
      - Accounts
      - Deposits
      - FDIC
      - Multi-Currency
    properties:
      - type: Documentation
        url: https://docs.lead.bank/api-integrations/overview
  - aid: lead-bank:file-integrations
    name: Lead Bank File Integrations (SFTP)
    description: >-
      File-based integration channel over SFTP for partners that ingest or
      emit batch files (NACHA, reconciliation, settlement reports).
    humanURL: https://docs.lead.bank/file-integrations/sftp-setup
    baseURL: gated-partner-access
    tags:
      - SFTP
      - File Integration
      - Batch
      - NACHA
    properties:
      - type: Documentation
        url: https://docs.lead.bank/file-integrations/sftp-setup
  - aid: lead-bank:webhooks
    name: Lead Bank Webhooks
    description: >-
      Outbound webhook events covering account, payment, card, and lending
      lifecycle changes. Endpoints configured per partner program.
    humanURL: https://docs.lead.bank
    baseURL: customer-configured
    tags:
      - Webhooks
      - Events
    properties:
      - type: Documentation
        url: https://docs.lead.bank
common:
  - type: Website
    url: https://lead.bank/
  - type: Documentation
    url: https://docs.lead.bank/
  - type: PartnerPortal
    url: https://partners.lead.bank/
  - type: Changelog
    url: https://docs.lead.bank/changelog
  - type: ContactSales
    url: https://lead.bank/contact
  - type: LinkedIn
    url: https://www.linkedin.com/company/lead-bank
integrations:
  - name: NACHA (ACH)
  - name: FedNow
  - name: The Clearing House (RTP)
  - name: Fedwire
  - name: SWIFT
maintainers:
  - FN: Kin Lane
    email: [email protected]