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Lead operates two environments — sandbox and production — with different behaviors around transaction auto-advance, settlement simulation, and daily processing windows. Understanding both helps you build against realistic conditions and avoid surprises at go-live.

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Environments

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Sandbox

The sandbox environment is available at api.sandbox.lead.bank. It is isolated from production and shares no data with it. Use sandbox to build and test your integration before requesting production credentials. Key differences from production:
  • No auto-advance. Transactions do not progress through statuses automatically. Use the /simulations endpoints to advance them manually. See Sandbox for the full list of simulation endpoints by rail.
  • KYC and OFAC not enforced. Entity data is accepted without identity verification or sanctions screening.
  • International wires reach accepted only. Full settlement simulation is not available for international wires in sandbox.
  • /simulations endpoints return 404 in production. Do not call simulation endpoints from production code.

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Production

The production environment is available at api.lead.bank. Credentials are provisioned by your Technical Account Manager after you complete sandbox testing and production go-live. See Program Launch for the milestone sequence.