> ## 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.

# File Reference

> Field-level reference for every file exchanged with Lead over SFTP: files you submit, reports Lead delivers, and delivery mechanics.

Field-level reference for every file exchanged with Lead over SFTP — the file counterpart to the [API Reference](/api-reference). Concepts, workflows, and object semantics live in [Products](/products/overview); this section is formats only.

[**Exchanging files with Lead**](/file-reference/delivery/overview) — [SFTP setup](/file-reference/sftp-setup), delivery mechanics, [validation errors](/file-reference/delivery/errors), and [document delivery](/file-reference/documents/overview).

[**Files you submit**](/file-reference/customer/overview) — schemas for the data you report to Lead: your customers ([Customer file](/file-reference/customer/overview) → the [Entity](/products/entity/overview) object), their [accounts](/file-reference/account/overview), [balances & transactions](/file-reference/balances-and-transactions/balances-schema), [applications](/file-reference/application/overview), [cards](/file-reference/card/schema), [collateral](/file-reference/collateral/schema), [authorized users](/file-reference/authorized-users/schema), plus the [Sales Response](/file-reference/sales/response-schema) you submit to confirm each day's receivables purchase, and [X9](/file-reference/x9) for checks. This is your customers' data — the reporting side of [Executing vs. Reporting](/core-concepts/platform/executing-vs-reporting) — delivered by file where the equivalent API doesn't exist yet ([Integration Surfaces by Product](/core-concepts/platform/integration-surfaces-by-product)).

[**Reports Lead delivers**](/file-reference/reports/overview) — schemas for what Lead sends you: [Daily Balance](/file-reference/reports/daily-balance), [Daily Activity](/file-reference/reports/daily-activity), [ACH Cash Reconciliation](/file-reference/reports/ach-cash-reconciliation), [Platform Reconciliation](/file-reference/reports/platform-reconciliation), [network settlement reports](/file-reference/reports/network-settlement-reports), and the daily [Sales Request](/file-reference/sales/request-schema). This is activity from Lead's core — your [banking infrastructure](/products/banking-infrastructure/overview) — reported to you.

**Legacy formats.** [Nacha files](/file-reference/nacha-files) are retained for reference only — ACH file integrations have been replaced by the [ACH API](/products/ach/overview). **\[VERIFY zero active Nacha submitters; if some remain, change to "supported for existing file-integrated programs only."]**

As workflows move from files to APIs ([Platform Evolution](/core-concepts/platform/platform-evolution)), schemas here gain pointers to their API successors; until a successor ships, the schema on this site is authoritative.