> ## Documentation Index > Fetch the complete documentation index at: https://docs.lead.bank/llms.txt > Use this file to discover all available pages before exploring further. # Schema The Collaterals object contains information about the relationship between a collateral asset and the secured account (e.g., a secured card account) it supports. Lead uses this information to ensure visibility into how secured products are collateralized. Collateral files are only required when there are new collaterals to create or existing collaterals to update. On days with no new collaterals or updates, you must still submit a file containing only the header row. Partners must submit a collateral update whenever any field changes (e.g., a change in `value_usd`). For all optional fields where you do not plan to pass through data, please include the header and an empty value. ## IDs | **Field** | **Description** | **Required** | **Data Type** | | ---------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------- | ------------- | | client\_collateral\_id | A unique identifier for the collateral object. This ID represents the relationship between the collateral asset and the credit product it secures — not the underlying asset itself.

A single asset can secure multiple credit products (e.g., a single home securing both a mortgage and a HELOC); in this case, a unique `client_collateral_id` must be created for each asset-to-credit-product relationship. | Required | string | | account\_id | The ID of the account holding the credit balance this collateral secures. Must exist and must not be in a `closed` status at creation. | Required | string | | balance\_id | The ID of the deposit balance pledged as collateral. The Balance must be of `type` deposit, must belong to the same `account_id`, must not be in a `closed` status at creation, and at most one active collateral may exist per `balance_id`. | Required if `type` = `deposit_balance` | string | ## Details | **Field** | **Description** | **Required** | **Data Type** | | :--------- | :--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | :-------------------------------------------------------------------------------- | :--------------------------------------------- | | type | The type of asset securing the credit product. Immutable after creation.

`deposit_balance`: Fiat currency held at a financial institution.

`real_estate`: Any permanent structure or fixture attached to land that cannot be moved without causing damage (e.g., single-family homes, apartments, commercial buildings). | Required | enum
`deposit_balance`
`real_estate` | | value\_usd | The value of the collateral in USD. Must be >= 0 with exactly 2 decimal places.

When `type` = `deposit_balance`, the collateral value is captured via `balance.amount` in the Balance Object. | Required if `balance_id` is not present; must be empty if `balance_id` is present | number decimal (M,2) | | status | The current status of the collateral.

`active`: The collateral object and the asset it represents are actively being used to secure the credit product.

`closed`: The collateral is no longer being used to secure the credit product, typically due to account or balance closure. | Required | enum
`active`
`closed` | ## Address Address fields apply only to collateral of type `real_estate`. | **Field** | **Description** | **Required** | **Data Type** | | :-------------------- | :-------------------------------------------- | :-------------------------------------------------------------- | :------------ | | address\_line\_1 | Address line 1 of the real property. | Required if `type` = `real_estate` | string | | address\_line\_2 | Address line 2 of the real property. | Optional; must be empty if `type` != `real_estate` | string | | address\_city | City of the real property. | Required if `type` = `real_estate` | string | | address\_postal\_code | Postal code of the real property (US format). | Required if `type` = `real_estate` and `address_country` = `us` | string | | address\_state | US state or territory (2-letter code). | Required if `type` = `real_estate` and `address_country` = `us` | string | | address\_country | ISO 3166-1 alpha-2 country code. | Required if `type` = `real_estate` | string | ## Other | **Field** | **Description** | **Required** | **Data Type** | | :------------ | :-------------------------------------------------------------------------------------------------------------------------------- | :----------- | :-------------------- | | generated\_at | The day this file is generated. This should always be the date the file is sent to Lead Bank. | Required | datetime
ISO8601 | | effective\_at | The timestamp of when the related object(s) were polled to collect the information for this record. Must be T-1 of the file date. | Required | datetime
ISO8601 | ## Requirements for `type` = `deposit_balance` * The `balance_id` must reference a deposit balance that belongs to the same `account_id` specified in this record. * The deposit balance referenced by `balance_id` must contain only funds designated as collateral. Any funds that are not serving as collateral must not be held in this balance and should be reported under a separate deposit balance.