A
Account: A Lead object that represents a deposit or credit product for a customer. Every Account belongs to an Entity and is the parent of one or more Account Numbers and Balances. Identified by the account_ prefix. See Object Model. Account Holder: An Entity role that grants full control and legal responsibility for an Account. Required before an Account Number can be created or activated for a customer. See Entity Roles. Account Number: A Lead object that represents a routing and account number pair assigned to a customer. Used to send and receive payments on external rails. Identified by the acct_num_ prefix. See Object Model. ACH (Automated Clearing House): A batch-payment network operated by Nacha. Lead supports all three same-day windows and all six next-day windows. See Money Movement. Authorized Signer: An Entity role for an individual authorized to sign on behalf of an Account Holder, typically a control person or beneficial owner of a business. No legal responsibility for the account. See Entity Roles. Authorized User: An Entity role for an individual with restricted access to an account, such as a cardholder on a business account. The lightest data requirements of the three roles. See Entity Roles.B
Balance: A Lead object that tracks the financial position of an Account. Types include current, available, and subledger. See Object Model. Beneficial Owner: An individual who owns or controls 25% or more of a business entity. Lead requires beneficial owner data for business Account Holders as part of KYC. Data requirements match those of the Authorized Signer role.C
Charge-Off: The accounting treatment for a loan or balance written off as a loss due to non-payment or fraud. In Lead’s reporting, a charged-off balance is reflected incharge_off_balance on the Balances file. The associated Account typically moves to status: closed with status_reason: charged_off. See Balances Schema.
CTR (Currency Transaction Report): A regulatory filing required for cash transactions exceeding $10,000 in a single day. Filed by Lead on behalf of the program.
E
Entity: A Lead object that represents a person or business in your program. The root object in Lead’s hierarchy — every Account, Account Number, and transaction traces back to an Entity. Identified by theentity_ prefix. See Object Model.
F
FBO (For Benefit Of): A bank account structure where Lead holds funds on behalf of your customers. Your program has a single FBO account; individual customer balances are tracked as sub-balances within it. Lead provides youraccount_id during onboarding.
FedNow: The Federal Reserve’s instant payment network. Lead currently supports FedNow for sending and receiving instant payments. See Money Movement.
FedWire: The Federal Reserve’s wire transfer network. Used for domestic wire transfers. Lead has a direct connection to FedWire. See Money Movement.
I
IAT (International ACH Transaction): An ACH SEC code used for cross-border entries. Requires additional originator and receiver details via theiat_details field. See ACH.
IM (Implementation Manager): Your primary Lead contact from kickoff through go-live. Owns timelines, milestones, and cross-functional coordination. See Programs and Partners.
Internal Transfer: A Lead rail for moving funds instantly between accounts held at Lead. Does not touch any external network. Identified by the xfer_ prefix. See Money Movement.
K
KYC (Know Your Customer): The process of verifying a customer’s identity. Lead performs KYC decisioning based on entity data you submit. Required for the Account Holder and Authorized Signer roles.N
Nacha: The organization that governs the ACH network and sets operating rules for ACH participants, including SEC codes, return windows, and same-day limits. NAICS Code: A 6-digit North American Industry Classification System code used to identify a business entity’s industry. Required when creating a business or sole proprietorship Entity. Lead validates that the value is a full 6-digit code — 2-digit sector codes are not accepted. See Entity.O
ODFI (Originating Depository Financial Institution): The bank that initiates an ACH entry on behalf of the originator. Lead acts as the ODFI for outgoing ACH entries your program originates. OFAC (Office of Foreign Assets Control): A U.S. Treasury division that administers sanctions programs. Lead screens entities and transactions against OFAC lists automatically. Originator: A Lead object that represents an ACH Company ID used to identify your program on the ACH network. A single program can have multiple Originators. See Originators.P
Partner: Your company — the fintech that has signed an agreement with Lead and is integrating against Lead’s platform. See Programs and Partners. Partner Site: The Lead portal at partners.lead.bank where operational and compliance resources live, including SLAs, the risk management framework, program policies, and data requirements. Access is provisioned by your IM during kickoff. Program: A specific product you offer to your end customers under your Lead relationship. Each program has its own credentials, rails configuration, and reconciliation files. See Programs and Partners.R
RDFI (Receiving Depository Financial Institution): The bank that receives an ACH entry on behalf of the receiver. When your customers receive an incoming ACH, Lead acts as the RDFI. RFI (Request for Information): A compliance request Lead issues when additional information is needed about a customer or transaction. Delivered via Slack to your program’s compliance contact. RTP (Real-Time Payments): The Clearing House’s instant payment network. Support for RTP is coming soon to Lead. See Money Movement.S
SAR (Suspicious Activity Report): A regulatory filing required when a financial institution detects potentially illegal activity. Filed by Lead on behalf of the program. SEC Code: A three-letter Nacha code that classifies an ACH entry by type and authorization method. Examples include PPD (consumer credits/debits), CCD (business credits/debits), WEB (internet-initiated), and IAT (international). Subledger Balance: A Lead Balance type used for lending products to track principal, interest, fees, and repayment schedules at the loan level. See Object Model. SWIFT: The messaging network used for international wire transfers. Lead uses SWIFT for outgoing USD international wires. See Money Movement.T
TAM (Technical Account Manager): Your technical Lead contact for sandbox configuration, credential provisioning, SFTP setup, and integration support. Post-launch primary contact. See Programs and Partners. Transaction: A Lead object that represents a posted or non-posted financial event on an Account. Identified by thetxn_ prefix. See Object Model.