> ## 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.

# Which Files Does My Program Use?

> One table mapping program types to the SFTP files you submit and the reports Lead delivers — everything not listed here is an API.

Every Lead program shares one SFTP pipeline. Which files flow through it depends on what you're building. Find your program type below; everything not listed in your row is an API ([Integration Surfaces by Product](/core-concepts/platform/integration-surfaces-by-product)).

All rows share the same mechanics: files due by **6:00 a.m. CT** the business day after the activity, empty files on days with nothing to report, and [Slack alerts](/file-reference/delivery/slack-alerts) confirming success or naming [validation errors](/file-reference/delivery/errors).

| **Program type**                                     | **Files you submit**                                                                                                                                                                                                                                                                                                                                                                                          | **Reports Lead delivers**                                                                                                                                                                                               |
| :--------------------------------------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Deposit program                                      | Daily [Balances](/file-reference/balances-and-transactions/balances-schema), [Transactions](/file-reference/balances-and-transactions/transactions-schema), and [Non-Posted Transactions](/file-reference/balances-and-transactions/non-posted-transactions-schema)                                                                                                                                           | [Daily Balance](/file-reference/reports/daily-balance) · [Daily Activity](/file-reference/reports/daily-activity) · [ACH Cash Reconciliation](/file-reference/reports/ach-cash-reconciliation) *(if you originate ACH)* |
| Deposit + debit card                                 | Deposit-program set, plus network settlement files from your issuer processor ([formats](/file-reference/reports/network-settlement-reports))                                                                                                                                                                                                                                                                 | Deposit-program set, plus [network settlement reports](/file-reference/reports/network-settlement-reports)                                                                                                              |
| Credit / charge card (Originate-to-Sell)             | Card-program set, plus the daily [Sales Response](/file-reference/sales/response-schema) confirming each day's receivables purchase; [Collateral](/file-reference/collateral/schema) if the product is secured                                                                                                                                                                                                | Card-program set, plus the daily [Sales Request](/file-reference/sales/request-schema)                                                                                                                                  |
| Credit / charge card (On-Sheet Lending)              | Same as OTS — the sales exchange still runs daily, carrying no on-sheet receivables                                                                                                                                                                                                                                                                                                                           | Same as OTS                                                                                                                                                                                                             |
| Lending (Funding-based)                              | Daily Balances and Transactions (servicing), plus the daily Sales Response                                                                                                                                                                                                                                                                                                                                    | Daily report set, plus the daily Sales Request                                                                                                                                                                          |
| Payments-only (ACH / wires / instant payments)       | None — payments are fully API-based                                                                                                                                                                                                                                                                                                                                                                           | Daily Balance · Daily Activity · ACH Cash Reconciliation *(if you originate ACH)*                                                                                                                                       |
| Checks                                               | [X9](/file-reference/x9) image files                                                                                                                                                                                                                                                                                                                                                                          | X9 files; [check settlement](/products/checks/settlement) detail                                                                                                                                                        |
| Legacy file-integrated programs (pre-API onboarding) | Your program may additionally submit [Customer](/file-reference/customer/overview), [Account](/file-reference/account/overview), [Application](/file-reference/application/overview), [Cards](/file-reference/card/schema), and [Authorized Users](/file-reference/authorized-users/schema) files — see [Legacy file schemas](#) below. Your Lead team will coordinate your migration to the API equivalents. | Same as your product rows above                                                                                                                                                                                         |

**Compliance documents** travel over SFTP for every program type ([document delivery](/file-reference/documents/overview)).