# Lead | API Docs

> Documentation on integrating with Lead.

- [Welcome to Lead](https://docs.lead.bank/get-started/what-is-lead.md): Programmable financial services built to support any use case, quickly.
- [Make Your First Payment API Call](https://docs.lead.bank/get-started/quickstart/make-your-first-payment-api-call.md): Authenticate to Lead, create an entity, assign an account number, simulate an incoming ACH credit, and send an outgoing ACH in sandbox.
- [Originate Your First Loan](https://docs.lead.bank/get-started/quickstart/originate-your-first-loan.md): Create a borrower entity, submit an application, open a credit account, define loan terms on a subledger balance, and originate a funding.
- [Sandbox Environment Setup and Simulation Endpoints](https://docs.lead.bank/get-started/sandbox.md): Set up Lead's sandbox environment, advance ACH and wire transfers using simulation endpoints, and validate your integration before go-live.
- [Program Launch](https://docs.lead.bank/get-started/program-launch.md): Follow Lead's five-milestone implementation process from kickoff and funds flow alignment through sandbox testing, production testing, and go-live.
- [Object Model](https://docs.lead.bank/core-concepts/platform/object-model.md): The objects every Lead program is built from — and how they fit together today.
- [Programs and Partners](https://docs.lead.bank/core-concepts/platform/programs-and-partners.md): Understand the difference between a Lead partner and a program, why credentials are scoped per program, and who your Lead team contacts are.
- [Money Movement](https://docs.lead.bank/core-concepts/platform/money-movement.md): Compare Lead's five payment rails — ACH, Wire, Instant Payments, Internal Transfer, and Blockchain Payments — and review the daily processing  windows for each one, plus where checks fit.
- [Environments and Testing](https://docs.lead.bank/core-concepts/platform/environments-and-testing.md): Understand Lead's sandbox and production environments.
- [Executing vs. Reporting](https://docs.lead.bank/core-concepts/platform/executing-vs-reporting.md): Which Lead APIs execute actions like moving money, and which report facts where you are the ledger of record — and how to predict an API's behavior from the difference.
- [Integration Surfaces by Product](https://docs.lead.bank/core-concepts/platform/integration-surfaces-by-product.md): The current integration surface for every Lead product and workflow — which run on APIs, which still run on SFTP files, and where files remain today.
- [Versioning and Backwards Compatibility](https://docs.lead.bank/core-concepts/platform/versioning-and-backwards-compatibility.md): How Lead versions its APIs, what counts as a breaking change, and the commitments Lead makes about notice, sandbox availability, and migration windows.
- [Platform Evolution](https://docs.lead.bank/core-concepts/platform/platform-evolution.md): Lead's two connected platform changes — file-to-API migration and the unified object model — what's changing, what isn't, and how to prepare your integration today.
- [Glossary](https://docs.lead.bank/core-concepts/platform/glossary.md): Definitions for Lead-specific terms — Entity, Account, FBO, RFI, TAM, and more — plus common banking and payments terms used throughout this documentation.
- [Products](https://docs.lead.bank/products/overview.md): Lead's products grouped by ownership and function: customers & accounts, banking infrastructure, payment rails, and lending & settlement.
- [Your Banking Infrastructure (Core Surface)](https://docs.lead.bank/products/banking-infrastructure/overview.md): The Lead-managed bank accounts behind your program, how you read them today, and the core APIs that are rolling out.
- [Core Accounts: The Bank Accounts Behind Your Program](https://docs.lead.bank/products/core-account/overview.md): What a core account is, what the type field is for, who holds it, and how it relates to balances, transactions, and account numbers.
- [The Core Account Object](https://docs.lead.bank/products/core-account/core-account-object.md): Field-level reference for the Core Account object, including account types and entity relationships.
- [Core Account Statuses](https://docs.lead.bank/products/core-account/statuses.md): Lifecycle of a core account, who changes it, and how to observe a change.
- [Core Balances: Where Your Program's Money Sits](https://docs.lead.bank/products/core-balance/overview.md): What a core balance is, which figure to use for what, and how it relates to the account, transactions, and account numbers.
- [The Core Balance Object](https://docs.lead.bank/products/core-balance/core-balance-object.md): Field-level reference for the Core Balance object, including the amounts definitions and formulas, overdraft, and interest.
- [Core Balance Statuses](https://docs.lead.bank/products/core-balance/statuses.md): A core balance shares its account's lifecycle; what an inactive balance means for account numbers; how to observe changes.
- [Core Transactions: Your Program's Ledger Entries](https://docs.lead.bank/products/core-transaction/overview.md): What a core transaction is, how to tie one to the payment that caused it, timing, and how to read them today.
- [The Core Transaction Object](https://docs.lead.bank/products/core-transaction/core-transaction-object.md): Field-level reference for the Core Transaction object, the type enum with lookups, the single posted state, and list filters.
- [Core Objects in Sandbox](https://docs.lead.bank/products/banking-infrastructure/sandbox.md): What core accounts, balances, and transactions return in sandbox, and what you can and cannot test against them.
- [Account Numbers: Routable Addresses for your Customers](https://docs.lead.bank/products/account-number/overview.md): Create and assign account numbers for your end customers.
- [The Account Number Object](https://docs.lead.bank/products/account-number/account-number-object.md): Field-level reference for the Account Number object, including identifiers, assignment, and linkage to accounts.
- [Account Number Statuses](https://docs.lead.bank/products/account-number/statuses.md): Description of statuses and lifecycle for account numbers.
- [Managing Account Numbers](https://docs.lead.bank/products/account-number/managing.md): Create, assign, and manage the lifecycle of Account Numbers.
- [Controls](https://docs.lead.bank/products/account-number/controls.md): Block or allow transactions at the account number level.
- [Lending at Lead: Credit Lead Originates, Products Your Customers Hold](https://docs.lead.bank/products/funding-and-receivables/overview.md): How lending works on Lead: origination through Entity, Application, Account, and Balance; funding through the Funding API; daily servicing reporting; and the receivable cycle that moves loans from Lead's balance sheet to yours.
- [The Balance Object](https://docs.lead.bank/products/lending/balance-object.md): Field-level reference for the Subledger Balance — the loan or line of credit itself: creation requirements, non-revolving vs. revolving structures, rate fields, and the live position Lead maintains.
- [The Funding Object](https://docs.lead.bank/products/lending/funding-object.md): Field-level reference for the Funding object — your instruction to Lead to originate loan principal: the principal decomposition, fee fields, the three-state lifecycle, and sandbox testing.
- [Receivables & the Daily Sale](https://docs.lead.bank/products/lending/receivables-and-the-daily-sale.md): Why every Lead-originated loan or card spend creates a receivable, how the hold period works, and how each day's receivables are grouped into a single sale you purchase — today via the Sales Request/Response files, with a Sale API in flight.
- [Sales Settlement Amount](https://docs.lead.bank/products/funding-and-receivables/sales-settlement-amount.md)
- [Balance-Sheet Models: Originate-to-Sell & On-Sheet Lending](https://docs.lead.bank/products/lending/balance-sheet-models.md): The two answers to whose balance sheet holds the loan: Originate-to-Sell, where you purchase receivables daily after a hold period, and On-Sheet Lending, where Lead holds them to terminal status.
- [ACH at Lead: Transfers Over FedACH](https://docs.lead.bank/products/ach/overview.md): Receive or send ACH transfers through the FedACH network.
- [The ACH Object](https://docs.lead.bank/products/ach/ach-object.md): Field-level reference for the ACH object, including amounts, counterparty details, SEC codes, and status fields.
- [ACH Timing & Availability](https://docs.lead.bank/products/ach/timing.md): Lead's ACH processing windows, cutoff times, and how settlement timing is determined.
- [ACH Statuses](https://docs.lead.bank/products/ach/statuses.md): Description of ACH statuses and transitions.
- [Validations & Best Practices ](https://docs.lead.bank/products/ach/validations.md): Best practices to reduce ACH validation exceptions.
- [Returns, Reversals, & Exceptions](https://docs.lead.bank/products/ach/exceptions.md): Details about processing or receiving ACH returns.
- [Sandbox Testing](https://docs.lead.bank/products/ach/sandbox.md): Test ACH transactions.
- [Receiving ACH](https://docs.lead.bank/products/ach/receiving-ach.md): Handle incoming ACH credits and debits: controls, statuses, webhooks, and returning entries you do not want.
- [Sending ACH](https://docs.lead.bank/products/ach/sending-ach.md): Send outgoing ACH credits and debits: request requirements, statuses, webhooks, and cancellation.
- [Originators: Managing ACH Origination Parameters](https://docs.lead.bank/products/ach/originators.md): Create and manage ACH origination parameters.
- [The Originator Object](https://docs.lead.bank/products/ach/originator-object.md): Field-level reference for the Originator object, which carries your ACH origination parameters.
- [Originator Statuses](https://docs.lead.bank/products/ach/originator-statuses.md): Statuses and lifecycle transitions for ACH Originators.
- [Managing Originators](https://docs.lead.bank/products/ach/managing-originators.md): Create, update, activate, deactivate, and cancel ACH Originators.
- [Wires at Lead: Transfers Over Fedwire](https://docs.lead.bank/products/wire/overview.md): Receive or send wire transfers through the Fedwire network.
- [Wires API V2 Migration Guide](https://docs.lead.bank/products/wire/v2-migration.md): Understand what changed in Wires API V2, how to update your integration, and what you need to complete before the migration deadline.
- [The Wire Object](https://docs.lead.bank/products/wire/wire-object.md): Field-level reference for the Wire object across V1 and V2, including debtor/creditor details and return-request entries.
- [USD International Wires](https://docs.lead.bank/products/wire/international-wires.md): Send and receive USD international wires.
- [Sending Wires](https://docs.lead.bank/products/wire/sending-wires.md): Send outgoing domestic and USD international wires: request requirements, statuses, and webhooks.
- [Receiving & Returning Wires](https://docs.lead.bank/products/wire/receiving-and-returning-wires.md): Configure your system to receive incoming wires and initiate returns against them.
- [Return Requests](https://docs.lead.bank/products/wire/return-requests.md): Configure your system to receive and send wire return requests.
- [Wire Statuses](https://docs.lead.bank/products/wire/statuses.md): Description of wire statuses and transitions.
- [Wire Timing & Availability](https://docs.lead.bank/products/wire/processing-windows.md): Understand when wires can be processed.
- [Return & Rejection Codes](https://docs.lead.bank/products/wire/rejection-and-return-codes.md): Details about processing or receiving wire returns.
- [Wire Validations & Best Practices](https://docs.lead.bank/products/wire/validations-and-best-practices.md): Best practices to reduce wire validation exceptions and manual review.
- [Sandbox Testing](https://docs.lead.bank/products/wire/sandbox-testing.md): Test Wire Transactions
- [Instant Payments at Lead](https://docs.lead.bank/products/instant-payments/overview.md): Send and receive Instant Payments via FedNow and RTP
- [The Instant Payment Object](https://docs.lead.bank/products/instant-payments/the-instant-payment-object.md): Send and receive Instant Payments via FedNow and RTP
- [Sending Instant Payments](https://docs.lead.bank/products/instant-payments/sending-instant-payments.md): Send Instant Payments and Return Requests
- [Receiving Instant Payments](https://docs.lead.bank/products/instant-payments/receiving-instant-payments.md): Receive Instant Payments and Return Requests
- [Returns & Rejections](https://docs.lead.bank/products/instant-payments/rejections-and-returns.md): Return Instant Payments and handle common exceptions
- [Statuses](https://docs.lead.bank/products/instant-payments/statuses.md): View the status, counterparty status, and return request status for incoming and outgoing Instant Payments
- [Timing & Availability](https://docs.lead.bank/products/instant-payments/timing-and-availability.md): Sending and receiving payments
- [Validations & Best Practices](https://docs.lead.bank/products/instant-payments/validations.md): Best practices to reduce instant payment validation exceptions.
- [Sandbox Testing](https://docs.lead.bank/products/instant-payments/sandbox-testing.md): Test your Instant Payments integration
- [Payment Identifiers](https://docs.lead.bank/products/instant-payments/payment-identifiers.md): Reference end_to_end_id, transaction_id, and uetr identifiers used to track FedNow and RTP instant payments and returns across the Lead network.
- [Internal Transfers at Lead](https://docs.lead.bank/products/internal-transfer/overview.md): Move money between your own accounts held at Lead.
- [The Internal Transfer Object](https://docs.lead.bank/products/internal-transfer/internal-transfer-object.md): Field-level reference for the Internal Transfer object.
- [Sending an Internal Transfer](https://docs.lead.bank/products/internal-transfer/sending.md): Send an internal transfer between your Lead accounts: request requirements, statuses, and webhooks.
- [Internal Transfer Statuses](https://docs.lead.bank/products/internal-transfer/statuses.md): Statuses and lifecycle transitions for internal transfers.
- [Internal Transfer Failures](https://docs.lead.bank/products/internal-transfer/exceptions.md): How internal transfers fail, what the failure reasons mean, and how to recover.
- [Internal Transfer Timing & Availability](https://docs.lead.bank/products/internal-transfer/timing.md): Internal transfers settle immediately and are available 24/7/365.
- [Internal Transfer Sandbox Testing](https://docs.lead.bank/products/internal-transfer/sandbox.md): Test internal transfers in Lead's sandbox environment.
- [Blockchain Payments at Lead: Stablecoins and Cross-Border Payouts](https://docs.lead.bank/products/blockchain-payments/overview.md): Send stablecoins. Send foreign currency over blockchain rails.
- [USD Funding Source](https://docs.lead.bank/products/blockchain-payments/usd-funding-source.md): Request to send USD to a foreign currency, or USD to stablecoins.
- [Supported Blockchains and Fiat Rails](https://docs.lead.bank/products/blockchain-payments/supported-blockchains-and-fiat-rails.md): Details about the rails and currencies Lead supports today.
- [Statuses & Events](https://docs.lead.bank/products/blockchain-payments/statuses.md): The statuses and webhook events for blockchain payments.
- [Returns & Rejections](https://docs.lead.bank/products/blockchain-payments/returns-and-rejections.md)
- [Blockchain Payments FAQ](https://docs.lead.bank/products/blockchain-payments/faq.md): Common questions about using blockchain payments.
- [Checks at Lead](https://docs.lead.bank/products/checks/overview.md): Understand check flows utilizing the X9 file standard.
- [Check Settlement](https://docs.lead.bank/products/checks/settlement.md): Lead supports three intraday settlement windows aligned with Fed processing schedules for checks.
- [Checks FAQ](https://docs.lead.bank/products/checks/faq.md): Frequently asked check questions.
- [Entities: Representing Your Customers](https://docs.lead.bank/products/entity/overview.md): Legal persons or organizations related to Lead products — entity types, roles, KYC attestation, and where the Entity sits in every integration.
- [The Entity Object](https://docs.lead.bank/products/entity/entity-object.md): Field-level reference for the Entity object across its three shapes — individual, business, and sole proprietorship — including attestation fields, identification rules, linkage objects, and role_details.
- [Entity Roles](https://docs.lead.bank/products/entity/roles.md): The four entity roles, what each unlocks, the role hierarchy, and the data-requirements matrix per entity type — plus how intended_roles and role_details fit together.
- [Beneficial Ownership Requirements](https://docs.lead.bank/products/entity/beneficial-ownership.md): Which beneficial owners and control persons Lead requires for business entities, the 25% threshold, and the drill-down rule for indirect ownership through holding companies.
- [Entity Workflow](https://docs.lead.bank/products/entity/workflow.md): How to create and update entities — the children-first sequencing for business entities, the point-of-entry validations Lead runs, and what happens on update.
- [Entity Troubleshooting](https://docs.lead.bank/products/entity/troubleshooting.md): The most common errors when calling the Entity API.
- [Accounts API Overview](https://docs.lead.bank/products/accounts/overview.md): Report deposit and credit account data to Lead using the Accounts API, including creation, status transitions, OAuth scopes, and lifecycle management.
- [Accounts API Validation Rules and Errors](https://docs.lead.bank/products/accounts/validations.md): Synchronous 422 validation responses for the Lead Accounts API, including required fields, capability rules, and the invalid_parameters error format.
- [Accounts API Best Practices](https://docs.lead.bank/products/accounts/best-practices.md): Guidance on OAuth scopes, idempotency keys, capability selection, and entity sequencing when integrating with the Lead Accounts API.
- [Balance and Transactions](https://docs.lead.bank/products/balances-and-transactions/overview.md): Reporting customer activity across deposit and credit products to Lead.
- [Transaction Types](https://docs.lead.bank/products/balances-and-transactions/transaction-types.md): The four-field classification every reported transaction carries — type, fee_type, action, and transfer_type — with the full deposit and credit type tables, per-type polarity, and dispute semantics.
- [Balance Statuses](https://docs.lead.bank/products/balances-and-transactions/balance-statuses.md): The balance lifecycle — status and status_reason pairs, what inactive means for validation, the two terminal statuses including receivable_transferred, and the checks that guard transitions.
- [Balance Reconciliation](https://docs.lead.bank/products/balances-and-transactions/balance-reconciliation.md): Understand end-of-day account balances.
- [Applications API Overview](https://docs.lead.bank/products/applications/overview.md): Submit terminal underwriting decisions to Lead with the Applications API to satisfy Reg B and fair lending obligations — where it sits in the sequence, which products need it, scopes, and endpoints.
- [The Application Object](https://docs.lead.bank/products/applications/application-object.md): Field-level reference for the Application object with an example payload.
- [Applications API Validation Rules and Errors](https://docs.lead.bank/products/applications/validations.md): Synchronous 422 validation responses for the Lead Applications API, covering required fields, status-specific rules, and the invalid_parameters payload.
- [Applications API Best Practices](https://docs.lead.bank/products/applications/best-practices.md): Recommended patterns for the Lead Applications API, including OAuth scopes, idempotency keys, terminal status selection, and adverse action notice fields.
- [Applications Troubleshooting](https://docs.lead.bank/products/applications/troubleshooting.md): The most common errors when calling the Applications API — terminal-status requirements, adverse action notice fields, credit-field rules, document timestamps, and entity prerequisites.
- [Cards: Reporting Card Issuance to Lead](https://docs.lead.bank/products/cards/overview.md): Report physical and virtual card issuance to Lead for compliance oversight: creation, lifecycle status transitions, OAuth scopes, and the Card object.
- [Cards API Validation Rules and Errors](https://docs.lead.bank/products/cards/validations.md): Synchronous 422 validation responses for the Lead Cards API across create, retrieve, update, activate, deactivate, and close endpoints, plus enum rules.
- [Cards API Best Practices](https://docs.lead.bank/products/cards/best-practices.md): Guidance on OAuth scopes, idempotency keys, replacement cards, expiry date handling, and resource sequencing when integrating with the Lead Cards API.
- [Network Settlement: How Card Programs Settle](https://docs.lead.bank/products/network-settlement/overview.md): How money moves when your cardholders spend: the daily settlement cycle, who does what across the network, issuer processor, your program, and Lead, and where BIN sponsorship fits.
- [Network Settlement Funding Obligations](https://docs.lead.bank/products/network-settlement/funding.md): How Lead funds daily card network settlement for debit, prepaid, credit, and push-to-card BINs — the funds flows, the report data points that drive them, timing, and weekend behavior.
- [Network Settlement Reconciliation](https://docs.lead.bank/products/network-settlement/reconciliation.md): How Lead reconciles the card transactions you report against the network's daily settlement reports — what's matched, on what key, and what to do when a day doesn't tie out.
- [Guides](https://docs.lead.bank/guides/overview.md): End-to-end walkthroughs for building on Lead — deposit programs, card programs, lending, payments, and escrow — organized by what you're launching.
- [Instant Loan Origination and Disbursement](https://docs.lead.bank/guides/lend/instant-loan-origination-and-disbursement.md): Originate a term loan or line of credit, disburse instantly over FedNow, and run the daily servicing and receivables-purchase cycles.
- [Launch a Deposit Program](https://docs.lead.bank/guides/store/launch-a-deposit-program.md): Open deposit accounts your customers hold at Lead, move their money, and report their ledger.
- [Run a Credit or Charge Card Program](https://docs.lead.bank/guides/issue/credit-and-charge-card-program.md): Launch revolving credit your customers spend through a card, with the receivables purchased from Lead on a daily sale cycle.
- [Launch a Debit Card Program](https://docs.lead.bank/guides/issue/debit-card-program.md): Add debit cards to a deposit program: report issuance, keep lifecycle current, and reconcile network settlement.
- [Collecting and Disbursing ACH Payments](https://docs.lead.bank/guides/move/collecting-and-disbursing-ach-payments.md): Collect funds from one party and pay them out to another over ACH, including the returns and reversals you'll handle along the way.
- [Run an Escrow Flow Over Wires](https://docs.lead.bank/guides/move/escrow-flow-over-wires.md): Receive, verify, disburse, and return wires, using dedicated account numbers per transaction.
- [API Overview, OAuth Authentication, and IP Allowlist](https://docs.lead.bank/api-reference/using-the-api/authentication.md): Authenticate to Lead's REST APIs with OAuth2, choose the right access token scopes, and configure your IP allowlist for production traffic.
- [Webhooks & Events](https://docs.lead.bank/api-reference/using-the-api/webhooks.md): Receive Lead webhooks, verify signatures, handle retries and duplicates, and pair event delivery with reconciliation for ACH, wires, and accounts.
- [Idempotency](https://docs.lead.bank/api-reference/using-the-api/idempotency.md): Safely retry requests without creating duplicate operations.
- [Errors](https://docs.lead.bank/api-reference/using-the-api/errors.md): Understand how Lead handles errors and error messages.
- [Create an ACH](https://docs.lead.bank/api-reference/endpoint/ach/create-an-ach.md): Creates an outgoing ACH.
- [List all ACH](https://docs.lead.bank/api-reference/endpoint/ach/list-all-ach.md): List all ACH objects.
- [Retrieve an ACH](https://docs.lead.bank/api-reference/endpoint/ach/retrieve-an-ach.md): Retrieve an ACH object.
- [Update an ACH](https://docs.lead.bank/api-reference/endpoint/ach/update-an-ach.md): Update an ACH object.
- [Cancel an ACH](https://docs.lead.bank/api-reference/endpoint/ach/cancel-an-ach.md): Cancel an outgoing ACH.
- [Return an ACH](https://docs.lead.bank/api-reference/endpoint/ach/return-an-ach.md): Issue a return against an incoming ACH.
- [Reverse an ACH](https://docs.lead.bank/api-reference/endpoint/ach/reverse-an-ach.md): Reverse an outgoing ACH.
- [Activate an Originator](https://docs.lead.bank/api-reference/endpoint/originator/activate-an-originator.md): Activate an Originator.
- [Cancel an Originator](https://docs.lead.bank/api-reference/endpoint/originator/cancel-an-originator.md): Cancel an Originator.
- [Create an Originator](https://docs.lead.bank/api-reference/endpoint/originator/create-an-originator.md): Create an Originator carrying your ACH origination parameters.
- [Deactivate an Originator](https://docs.lead.bank/api-reference/endpoint/originator/deactivate-an-originator.md): Deactivate an Originator.
- [List all Originators](https://docs.lead.bank/api-reference/endpoint/originator/list-all-originators.md): List all Originators.
- [Retrieve an Originator](https://docs.lead.bank/api-reference/endpoint/originator/retrieve-an-originator.md): Retrieve an Originator.
- [Update an Originator](https://docs.lead.bank/api-reference/endpoint/originator/update-an-originator.md): Update an Originator's parameters.
- [Create an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/create-an-account-number.md): Creates an Account Number. Optionally also assigns either a ClientCustomerID or EntityID to the Account Number
- [List all Account Numbers](https://docs.lead.bank/api-reference/endpoint/account-number/list-all-account-number.md): List all Account Numbers.
- [Retrieve an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/retrieve-an-account-number.md): Retrieve an Account Number.
- [Update an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/update-an-account-number.md): Update an Account Number's metadata.
- [Register an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/register-an-account-number.md): Registers an Account Number.
- [Activate an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/activate-an-account-number.md): Activate an Account Number.
- [Deactivate an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/deactivate-an-account-number.md): Deactivate an Account Number.
- [Assign an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/assign-an-account-number.md): Assigns an Account Number with either a ClientCustomerID or EntityID. Only one of these should be provided
- [Cancel an Account Number](https://docs.lead.bank/api-reference/endpoint/account-number/cancel-an-account-number.md): Cancel an Account Number.
- [Create an Instant Payment](https://docs.lead.bank/api-reference/endpoint/instant-payment/create-an-instant-payment.md): Initiates an outgoing instant payment.
- [List all Instant Payments](https://docs.lead.bank/api-reference/endpoint/instant-payment/list-all-instant-payments.md): List instant payments with optional filtering.
- [Retrieve an Instant Payment](https://docs.lead.bank/api-reference/endpoint/instant-payment/retrieve-an-instant-payment.md): Retrieve the details of an instant payment.
- [Return an Instant Payment](https://docs.lead.bank/api-reference/endpoint/instant-payment/return-an-instant-payment.md): Initiates an outgoing instant payment return. If there is an outstanding return request, invoking this endpoint is also understood as accepting the active return request.
- [Cancel an Instant Payment](https://docs.lead.bank/api-reference/endpoint/instant-payment/cancel-an-instant-payment.md): Attempt to cancel an outgoing instant payment that is currently in "created" or "under_review" status.
- [Request Return for Instant Payment](https://docs.lead.bank/api-reference/endpoint/instant-payment/request-return-for-instant-payment.md): Send a return request to the counterparty for a previously posted outgoing instant payment. Returns the updated instant payment object with a new entry in the return_requests array.
- [Reject Return Request for Instant Payment](https://docs.lead.bank/api-reference/endpoint/instant-payment/reject-return-request-for-instant-payment.md): Reject the active return request associated with an incoming instant payment. Returns the updated instant payment object with the status of the active return request set to "rejected".
- [Check Instant Payment Availability](https://docs.lead.bank/api-reference/endpoint/instant-payment/check-instant-payment-availability.md): Check if a given routing number is eligible to receive an instant payment.
- [Create a Wire](https://docs.lead.bank/api-reference/endpoint/wire/create-a-wire-v1.md): Create a new outgoing wire.
- [List all Wires](https://docs.lead.bank/api-reference/endpoint/wire/list-all-wires-v1.md): List all wire objects.
- [Retrieve a Wire](https://docs.lead.bank/api-reference/endpoint/wire/retrieve-a-wire-v1.md): Retrieve a wire object.
- [Update a Wire](https://docs.lead.bank/api-reference/endpoint/wire/update-a-wire-v1.md): Update a wire.
- [Cancel a Wire](https://docs.lead.bank/api-reference/endpoint/wire/cancel-a-wire-v1.md): Cancel a wire object.
- [Return a Wire](https://docs.lead.bank/api-reference/endpoint/wire/return-a-wire-v1.md): Initiate a return against an incoming wire.
- [Request return for a Wire](https://docs.lead.bank/api-reference/endpoint/wire/request-return-for-wire-v1.md): Send a return request (camt.056) to the counterparty financial institution for a previously sent outgoing wire. Returns the updated wire object with a new entry in the `return_requests` array in `pending` status.
- [Reject a Return Request for a Wire](https://docs.lead.bank/api-reference/endpoint/wire/reject-return-request-for-wire-v1.md): Reject the currently active incoming return request associated with the wire.
- [Create a Wire](https://docs.lead.bank/api-reference/endpoint/wire/create-a-wire-v2.md): Create a new outgoing wire
- [List all Wires](https://docs.lead.bank/api-reference/endpoint/wire/list-all-wires-v2.md): List all wire objects.
- [Retrieve a Wire](https://docs.lead.bank/api-reference/endpoint/wire/retrieve-a-wire-v2.md): Retrieve a wire object.
- [Update a Wire](https://docs.lead.bank/api-reference/endpoint/wire/update-a-wire-v2.md): Update a wire.
- [Cancel a Wire](https://docs.lead.bank/api-reference/endpoint/wire/cancel-a-wire-v2.md): Cancel a wire object.
- [Return a Wire](https://docs.lead.bank/api-reference/endpoint/wire/return-a-wire-v2.md): Initiate a return against an incoming wire.
- [Request Return for a Wire](https://docs.lead.bank/api-reference/endpoint/wire/request-return-for-wire-v2.md): Create a return request for a previously sent outgoing wire.
- [Reject a Return Request for a Wire](https://docs.lead.bank/api-reference/endpoint/wire/reject-return-request-for-wire-v2.md): Reject the currently active incoming return request associated with the wire.
- [Create a Blockchain Payment](https://docs.lead.bank/api-reference/endpoint/blockchain-payment/create-a-blockchain-payment.md): Creates a blockchain payment for fiat or cross-border payments.
- [List all Blockchain Payments](https://docs.lead.bank/api-reference/endpoint/blockchain-payment/list-all-blockchain-payments.md): List all Blockchain Payments.
- [Retrieve a Blockchain Payment](https://docs.lead.bank/api-reference/endpoint/blockchain-payment/retrieve-a-blockchain-payment.md): Retrieve a Blockchain Payment.
- [Create an Entity](https://docs.lead.bank/api-reference/endpoint/entity/create-an-entity.md): Create an Individual, Sole Prop or Business Entity.
- [Retrieve an Entity by Client Customer ID](https://docs.lead.bank/api-reference/endpoint/entity/retrieve-an-entity-by-client-customer-id.md): Retrieve an entity by the client customer id
- [Retrieve an Entity by Entity ID](https://docs.lead.bank/api-reference/endpoint/entity/retrieve-an-entity-by-entity-id.md): Retrieve an entity by entity id
- [Update an Entity](https://docs.lead.bank/api-reference/endpoint/entity/update-an-entity.md): Certain updates on Entity trigger KYC re-screening, requiring an updated kyc_details.result and kyc_details.screened_at.
- [Create an Application](https://docs.lead.bank/api-reference/endpoint/application/create-an-application.md): Creates a new credit application in terminal status.
- [Retrieve an Application](https://docs.lead.bank/api-reference/endpoint/application/retrieve-an-application.md): Retrieves a specific application by its server-generated ID (application_*).
- [Retrieve an Application by Client Application ID](https://docs.lead.bank/api-reference/endpoint/application/retrieve-an-application-by-client-application-id.md): Retrieves an application by the `client_application_id` you assigned, supplied as a query parameter: `GET /v0/applications?client_application_id=...`. This is the filtered form of the applications collection and is distinct from `GET /v0/applications/{id}`, which takes the server-generated Applicati…
- [Update an Application](https://docs.lead.bank/api-reference/endpoint/application/update-an-application.md): Updates properties on an existing application.
- [List Application Entity Relationships](https://docs.lead.bank/api-reference/endpoint/application/list-application-entity-relationships.md): Lists all entity relationships for a specific application.
- [Create an Account](https://docs.lead.bank/api-reference/endpoint/account/create-an-account.md): Creates a new account.
- [Retrieve an Account](https://docs.lead.bank/api-reference/endpoint/account/retrieve-an-account.md): Retrieves a specific account by its ID. Accepts a server-generated ID (account_*).
- [Retrieve an Account by Client Account ID](https://docs.lead.bank/api-reference/endpoint/account/retrieve-an-account-by-client-account-id.md): Retrieves an account by the `client_account_id` you assigned, supplied as a query parameter: `GET /v0/accounts?client_account_id=...`. This is the filtered form of the accounts collection and is distinct from `GET /v0/accounts/{id}`, which takes the server-generated Account ID (`account_*`). The res…
- [Update an Account](https://docs.lead.bank/api-reference/endpoint/account/update-an-account.md): Updates properties on an existing account.
- [Activate an Account](https://docs.lead.bank/api-reference/endpoint/account/activate-an-account.md): Transitions an account from `inactive` to `active` status.
- [Deactivate an Account](https://docs.lead.bank/api-reference/endpoint/account/deactivate-an-account.md): Transitions an account from `active` to `inactive` status.
- [Close an Account](https://docs.lead.bank/api-reference/endpoint/account/close-an-account.md): Transitions an account to `closed` status (terminal state). This action cannot be undone.
- [List Account Entity Relationships](https://docs.lead.bank/api-reference/endpoint/account/list-account-entity-relationships.md): Lists all entity relationships for a specific account.
- [Batch Create Account Entity Relationships](https://docs.lead.bank/api-reference/endpoint/account/batch-create-account-entity-relationships.md): Associates multiple entities with an account under a single relationship type.
- [Delete Account Entity Relationship](https://docs.lead.bank/api-reference/endpoint/account/delete-account-entity-relationship.md): Deletes a specific entity relationship from an account and returns the updated list of entity relationships. The relationship_type must be specified to identify which relationship to delete.
- [Create a Card](https://docs.lead.bank/api-reference/endpoint/card/create-a-card.md): > **Beta:** This endpoint is in beta and may change before general availability.
- [Retrieve a Card](https://docs.lead.bank/api-reference/endpoint/card/retrieve-a-card.md): > **Beta:** This endpoint is in beta and may change before general availability.
- [Retrieve a Card by Client Card ID](https://docs.lead.bank/api-reference/endpoint/card/retrieve-a-card-by-client-card-id.md): > **Beta:** This endpoint is in beta and may change before general availability.
- [Update a Card](https://docs.lead.bank/api-reference/endpoint/card/update-a-card.md): > **Beta:** This endpoint is in beta and may change before general availability.
- [Activate a Card](https://docs.lead.bank/api-reference/endpoint/card/activate-a-card.md): > **Beta:** This endpoint is in beta and may change before general availability.
- [Deactivate a Card](https://docs.lead.bank/api-reference/endpoint/card/deactivate-a-card.md): > **Beta:** This endpoint is in beta and may change before general availability.
- [Close a Card](https://docs.lead.bank/api-reference/endpoint/card/close-a-card.md): > **Beta:** This endpoint is in beta and may change before general availability.
- [Create a Funding](https://docs.lead.bank/api-reference/endpoint/funding/create-a-funding.md): Creates a Funding object to request that Lead move funds from a Lead GL to the partner's funding FBO account.
- [Retrieve a Funding](https://docs.lead.bank/api-reference/endpoint/funding/retrieve-a-funding.md): Retrieve a Funding object.
- [Create a Subledger Balance](https://docs.lead.bank/api-reference/endpoint/subledger-balance/create-a-subledger-balance.md): Create a Subledger Balance object. The newly created Subledger Balance will have a `status` of `active` and a `status_reason` of `active`, and a unique `id` with prefix `subledger_balance_` will be auto-generated.
- [Retrieve a Subledger Balance](https://docs.lead.bank/api-reference/endpoint/subledger-balance/retrieve-a-subledger-balance.md): Retrieve a Subledger Balance object.
- [Create an Internal Transfer](https://docs.lead.bank/api-reference/endpoint/internal-transfer/create-an-internal-transfer-v1.md): Creates an asynchronous Internal Transfer.
- [List all Internal Transfers](https://docs.lead.bank/api-reference/endpoint/internal-transfer/list-all-internal-transfers-v1.md): List all Internal Transfers.
- [Retrieve an Internal Transfer](https://docs.lead.bank/api-reference/endpoint/internal-transfer/retrieve-an-internal-transfer-v1.md): Retrieve an Internal Transfer.
- [Create a Disbursement](https://docs.lead.bank/api-reference/endpoint/lending/create-a-disbursement.md): Creates a disbursement for a loan
- [Retrieve a Disbursement](https://docs.lead.bank/api-reference/endpoint/lending/retrieve-a-disbursement.md): Retrieve a disbursement object.
- [Cancel a Disbursement](https://docs.lead.bank/api-reference/endpoint/lending/cancel-a-disbursement.md): Cancel a disbursement.
- [List all Events](https://docs.lead.bank/api-reference/endpoint/events/list-all-events.md): List all event objects.
- [Retrieve an Event](https://docs.lead.bank/api-reference/endpoint/events/retrieve-an-event.md): Retrieves an event object.
- [Get an Access Token](https://docs.lead.bank/api-reference/endpoint/oauth/get-an-access-token.md): Exchange your client credentials for an access code.
- [Simulate Incoming ACH](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-ach.md): Simulate an incoming ACH.
- [Simulate Advance ACH](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-advance-ach.md): Advance an ACH in Sandbox.
- [Simulate Incoming ACH Return](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-ach-return.md): Simulate an incoming Return.
- [Simulate Incoming Wire](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire.md): Simulate an incoming Wire.
- [Simulate Advance Wire](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-advance-wire.md): Advance a Wire in Sandbox.
- [Simulate Incoming Wire Return](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return.md): Simulate an incoming Wire Return.
- [Simulate Incoming Wire Return Request](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request.md): Simulate an incoming wire return request.
- [Simulate Incoming Wire Return Request Rejection](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-rejection.md): Simulate an incoming wire return request rejection.
- [Simulate Incoming Wire Return Request Acceptance](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-acceptance.md): Simulate an incoming wire return request acceptance.
- [Simulate Incoming Wire V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-v2.md): Simulates an incoming wire against a creditor account in sandbox. Automatically advances to posted on creation; no call to advance required.
- [Simulate Incoming Wire Return V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-v2.md): Simulates an incoming return wire against an outgoing wire in sandbox. Automatically advances to posted on creation.
- [Simulate Advance Wire V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-advance-wire-v2.md): Advance a Wire in Sandbox.
- [Simulate Incoming Wire Return Request Acceptance V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-acceptance-v2.md): Simulate an incoming wire return request acceptance.
- [Simulate Incoming Wire Return Request V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-v2.md): Simulate an incoming wire return request.
- [Simulate Incoming Wire Return Request Rejection V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-rejection-v2.md): Simulate an incoming wire return request rejection.
- [Simulate Incoming Instant Payment](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-instant-payment.md): Simulate an incoming instant payment.
- [Simulate Incoming Instant Payment Return](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-instant-payment-return.md): Simulate an incoming instant payment return.
- [Simulate Incoming Instant Payment Return Request](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-instant-payment-return-request.md): Simulate an incoming instant payment return request.
- [Simulate Incoming Instant Payment Return Request Rejection](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-instant-payment-return-request-rejection.md): Simulate an incoming instant payment return request rejection.
- [Simulate Incoming Instant Payment Return Request Acceptance](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-instant-payment-return-request-acceptance.md): Simulate an incoming instant payment return request acceptance.
- [Simulate Advance Funding](https://docs.lead.bank/api-reference/endpoint/funding/advance-a-funding.md): Advances a Funding object from processing to posted status in the Sandbox environment.
- [Simulate Advance Disbursement](https://docs.lead.bank/api-reference/endpoint/lending-simulation/advance-a-disbursement.md): Advances a disbursement object status in the sandbox environment.
- [Which Files Does My Program Use?](https://docs.lead.bank/file-reference/which-files.md): One table mapping program types to the SFTP files you submit and the reports Lead delivers — everything not listed here is an API.
- [Balance & Transaction Validations](https://docs.lead.bank/file-reference/balances-and-transactions/balance-validations.md): Reference for Balance and Transaction file validations, including daily reporting rules, account_id matching, and balance reconciliation checks.
- [Balances Schema](https://docs.lead.bank/file-reference/balances-and-transactions/balances-schema.md): Field-by-field reference for the daily Balances file, including credit and deposit balances, rewards, repayment details, and autopay configuration.
- [Transactions File Schema](https://docs.lead.bank/file-reference/balances-and-transactions/transactions-schema.md): Field-level reference for the Transactions file used in Lead's financial reconciliation, including IDs, amounts, types, and posting details.
- [Transactions Update Schema](https://docs.lead.bank/file-reference/balances-and-transactions/transactions-update-schema.md): Field-level reference for the Transactions Update file used to correct or amend previously reported transactions.
- [Non-Posted Transactions Schema](https://docs.lead.bank/file-reference/balances-and-transactions/non-posted-transactions-schema.md): Field-level reference for the Non-Posted (pending) Transactions file.
- [Balances & Transactions Files Troubleshooting](https://docs.lead.bank/file-reference/balances-and-transactions/troubleshooting.md): Symptom-first guide to the most common Balance and Transaction file rejections — reconciliation breaks, missing balances, type-specific amount rules, and cadence failures — and how to fix and resubmit.
- [Sales Request Schema](https://docs.lead.bank/file-reference/sales/request-schema.md): Field-level reference for the daily Sales Request file Lead delivers, listing the receivables to purchase and the settlement amount.
- [Sales Response Schema](https://docs.lead.bank/file-reference/sales/response-schema.md): Field-level reference for the Sales Response file you submit to confirm the day's receivables purchase.
- [Daily Reporting Files Overview](https://docs.lead.bank/file-reference/reports/overview.md): Overview of Lead's daily SFTP reporting files: Daily Balance, Daily Activity, and ACH Cash Reconciliation, including delivery times and holiday handling.
- [Daily Balance](https://docs.lead.bank/file-reference/reports/daily-balance.md): Definition of fields provided in the Daily Balance report.
- [Daily Activity](https://docs.lead.bank/file-reference/reports/daily-activity.md): Definition of fields provided in the Daily Activity report.
- [ACH Cash Reconciliation](https://docs.lead.bank/file-reference/reports/ach-cash-reconciliation.md): Field reference for Lead's ACH Settlement Cash Reconciliation report, used to reconcile transaction-level ACH detail to aggregated bank statement entries.
- [Platform Reconciliation](https://docs.lead.bank/file-reference/reports/platform-reconciliation.md): Reconciliation for platform-issued account numbers.
- [Network Settlement Reports](https://docs.lead.bank/file-reference/reports/network-settlement-reports.md): Lead's network settlement reports explained.
- [X9 File Requirements](https://docs.lead.bank/file-reference/x9.md): All check processing between you and Lead uses the X9.37 file standard.
- [SFTP Setup](https://docs.lead.bank/file-reference/sftp-setup.md): Steps for setting up SFTP with Lead.
- [Exchanging files with Lead over SFTP](https://docs.lead.bank/file-reference/delivery/overview.md): Understand how to exchange data with Lead via SFTP.
- [Slack Alerts](https://docs.lead.bank/file-reference/delivery/slack-alerts.md): Monitor your program.
- [Currencies](https://docs.lead.bank/file-reference/delivery/currencies.md): Understand which currencies are accepted in file validations.
- [File Submission Validation Errors](https://docs.lead.bank/file-reference/delivery/errors.md): Reference for Lead file validation errors, including field formatting, cross-file reconciliation, error groupings, and troubleshooting guidance.
- [Document Delivery Over SFTP](https://docs.lead.bank/file-reference/documents/overview.md): Details on SFTP document delivery.
- [Compliance Documents](https://docs.lead.bank/file-reference/documents/compliance-documents.md): JSON reference for Documents in the applications and accounts files, covering document_id, type, consented_at, displayed_at, and version fields.
- [Customer files: reporting customers via SFTP](https://docs.lead.bank/file-reference/customer/overview.md): Overview of Customers and Customer Relationships files.
- [Customer File Schema](https://docs.lead.bank/file-reference/customer/customer-schema.md): Field-level reference for the Customer file, including individual and business customer identification, tax IDs, addresses, and KYC requirements.
- [Customer Relationship Schema](https://docs.lead.bank/file-reference/customer/customer-relationship-schema.md): Field-level reference for the Customer Relationships file linking individuals to businesses as owners, control persons, signers, and users.
- [Customer File Validations](https://docs.lead.bank/file-reference/customer/validations.md): Validating customer and customer relationship files
- [Account Files: Reporting Accounts via SFTP](https://docs.lead.bank/file-reference/account/overview.md): Overview of account files.
- [Account File Schema](https://docs.lead.bank/file-reference/account/schema.md): Field-level reference for the Account file, covering identifiers, account holders, authorized parties, deposit details, credit details, and documents.
- [Account File Statuses](https://docs.lead.bank/file-reference/account/statuses.md): The statuses for account files.
- [Account File Validations](https://docs.lead.bank/file-reference/account/validations.md): Validating account files.
- [Authorized Users Schema](https://docs.lead.bank/file-reference/authorized-users/schema.md): Field-level reference for the Authorized Users file.
- [Authorized Users Validations](https://docs.lead.bank/file-reference/authorized-users/validations.md): Validating authorized users.
- [Application Files: Reporting Underwriting Decisions via SFTP](https://docs.lead.bank/file-reference/application/overview.md): Overview of application files.
- [Application File Schema](https://docs.lead.bank/file-reference/application/schema.md): Field-level reference for the Application file, covering decisions, adverse action notice fields, and credit details.
- [Application File Statuses](https://docs.lead.bank/file-reference/application/statuses.md): The statuses for application files.
- [Application File Validations](https://docs.lead.bank/file-reference/application/validations.md): Validating application files.
- [Card File Schema](https://docs.lead.bank/file-reference/card/schema.md): Field-level reference for the Cards file reporting issued cards to Lead.
- [Card File Validations](https://docs.lead.bank/file-reference/card/validations.md): Validating card files.
- [Collateral File Schema](https://docs.lead.bank/file-reference/collateral/schema.md): Field-level reference for the Collaterals file used by secured credit programs, including the deposit-collateral balance requirement.
- [Nacha Files](https://docs.lead.bank/file-reference/nacha-files.md): Legacy reference for ACH file processing via Nacha files, replaced by the ACH API.
- [Changelog](https://docs.lead.bank/changelog.md): Source of record for released Lead platform, API, reporting, and operational changes, including new features, fixes, and breaking changes.
- [Upcoming Changes](https://docs.lead.bank/upcoming-changes.md): Advance notice of planned Lead platform, API, and reporting changes that may require partner awareness, testing, or action before effective dates.
- [Products](https://docs.lead.bank/v2/products/overview.md): The v2 products, grouped by function: banking infrastructure, customers and accounts, balances and transactions, lending and receivables, and payment rails.
- [Core Accounts: The Bank Accounts Behind Your Program](https://docs.lead.bank/products/core-account/overview.md): What a core account is, what the type field is for, who holds it, and how it relates to balances, transactions, and account numbers.
- [The Core Account Object](https://docs.lead.bank/products/core-account/core-account-object.md): Field-level reference for the Core Account object, including account types and entity relationships.
- [Core Account Statuses](https://docs.lead.bank/products/core-account/statuses.md): Lifecycle of a core account, who changes it, and how to observe a change.
- [Core Balances: Where Your Program's Money Sits](https://docs.lead.bank/products/core-balance/overview.md): What a core balance is, which figure to use for what, and how it relates to the account, transactions, and account numbers.
- [The Core Balance Object](https://docs.lead.bank/products/core-balance/core-balance-object.md): Field-level reference for the Core Balance object, including the amounts definitions and formulas, overdraft, and interest.
- [Core Balance Statuses](https://docs.lead.bank/products/core-balance/statuses.md): A core balance shares its account's lifecycle; what an inactive balance means for account numbers; how to observe changes.
- [Core Transactions: Your Program's Ledger Entries](https://docs.lead.bank/products/core-transaction/overview.md): What a core transaction is, how to tie one to the payment that caused it, timing, and how to read them today.
- [The Core Transaction Object](https://docs.lead.bank/products/core-transaction/core-transaction-object.md): Field-level reference for the Core Transaction object, the type enum with lookups, the single posted state, and list filters.
- [Entities: The People and Businesses on Your Program](https://docs.lead.bank/v2/products/entity/overview.md): What an entity is, the five entity types, where entities fit in onboarding, eligibility, and how entities relate to user accounts, applications, core accounts, and account numbers.
- [The Entity Object](https://docs.lead.bank/v2/products/entity/entity-object.md): Field-level reference for the v2 Entity object across its five shapes, including attestation fields, identification and documents, linked entities, the lead and partner shape, and eligibility.
- [Entity Eligibility](https://docs.lead.bank/v2/products/entity/eligibility.md): The four relationship types an entity can hold, the data each requires, how to read eligibility, and how intended_eligibility rejects a request that does not qualify.
- [Beneficial Ownership Requirements](https://docs.lead.bank/products/entity/beneficial-ownership.md): Which beneficial owners and control persons Lead requires for business entities, the 25% threshold, and the drill-down rule for indirect ownership through holding companies.
- [Applications: Reporting Your Underwriting Decisions](https://docs.lead.bank/v2/products/applications/overview.md): What an application is, where it fits in onboarding, the final-outcome reporting model, and how applications relate to entities and user accounts.
- [The Application Object](https://docs.lead.bank/v2/products/applications/application-object.md): Field-level reference for the v2 Application object, including entities, underwriting and decision details, Files API document references, and legacy documents.
- [Application Statuses](https://docs.lead.bank/v2/products/applications/statuses.md): The three final statuses an application can carry, when to use each, and what each requires.
- [User Accounts: What You Open for Each Customer](https://docs.lead.bank/v2/products/user-accounts/overview.md): What a user account is, how features and product configs shape it, and how it relates to entities, applications, user credit and deposit balances, and cards.
- [The User Account Object](https://docs.lead.bank/v2/products/user-accounts/user-account-object.md): Field-level reference for the User Account object, including features, product config, balance sheet model, entities, underwriting details, and the mapping from the Accounts API.
- [User Account Statuses](https://docs.lead.bank/v2/products/user-accounts/statuses.md): What each user account status means, which reason each transition takes, and how to correct a mistaken closure.
- [Files: Upload files and link them to other objects](https://docs.lead.bank/v2/products/files/overview.md): What a file is, where it fits in onboarding, and how files relate to entities, applications, and user accounts.
- [The File Object](https://docs.lead.bank/v2/products/files/file-object.md): Field-level reference for the File object, including accepted Content-Types, file size limits, and linking to documents on the Entity, Application, and User Account objects.
- [User Credit Balances: The Loan or Line of Credit You Report](https://docs.lead.bank/v2/products/user-credit-balance/overview.md): What a user credit balance is, how it relates to user accounts, user credit transactions, fundings, and receivables, and what you can do with the User Credit Balances API.
- [The User Credit Balance Object](https://docs.lead.bank/v2/products/user-credit-balance/user-credit-balance-object.md): Field-level reference for the User Credit Balance object, including the two structures, interest, the position blocks, create and update rules, and the mapping from the Subledger Balance API.
- [User Credit Balance Statuses](https://docs.lead.bank/v2/products/user-credit-balance/statuses.md): The user credit balance lifecycle, the checks that guard each transition, and what each status reason means.
- [User Credit Transactions: The Activity You Report on a User Credit Balance](https://docs.lead.bank/v2/products/user-credit-transaction/overview.md): What a user credit transaction is, how it moves a user credit balance, how reversals work, and what you can do with the User Credit Transactions API.
- [The User Credit Transaction Object](https://docs.lead.bank/v2/products/user-credit-transaction/user-credit-transaction-object.md): Field-level reference for the User Credit Transaction object, including every type and what it moves on the user credit balance, reversals, post and update rules, list filters, and the mapping from the Transactions file.
- [Fundings: Moving Loan Principal to Your Customer](https://docs.lead.bank/v2/products/fundings/overview.md): What a funding is, where it fits in a lending integration, and what you can do with the Fundings API.
- [The Funding Object](https://docs.lead.bank/v2/products/fundings/funding-object.md): Field-level reference for the v2 Funding object, the rules Lead checks on create, and how it maps from the v0 Fundings API.
- [Funding Statuses](https://docs.lead.bank/v2/products/fundings/statuses.md): Lifecycle of a v2 funding, what each status means, and how to tell when money has moved.
- [Receivables: Your Program's Loans on Lead's Books](https://docs.lead.bank/v2/products/receivables/overview.md): What a receivable is, which receivables you can see, how they relate to fundings, card network settlements, and receivable sales, and what you can do with the Receivables API.
- [The Receivable Object](https://docs.lead.bank/v2/products/receivables/receivable-object.md): Field-level reference for the Receivable object, its amounts and source details, and how to follow a receivable from origination into a receivable sale.
- [Receivable Sales: Buying Each Day's Loans from Lead](https://docs.lead.bank/v2/products/receivable-sales/overview.md): What a receivable sale is, the daily schedule it runs on, how it replaces the Sales Request and Response files, and what you can do with the Receivable Sales API.
- [The Receivable Sale Object](https://docs.lead.bank/v2/products/receivable-sales/receivable-sale-object.md): Field-level reference for the Receivable Sale object, how purchase_amount is built, and how to list and retrieve sales.
- [Receivable Sale Statuses](https://docs.lead.bank/v2/products/receivable-sales/statuses.md): Lifecycle of a receivable sale, what each status and failure reason means, and how a failed sale is recovered.
- [Wires at Lead: Transfers Over Fedwire](https://docs.lead.bank/v2/products/wire/overview.md): Receive or send wire transfers through the Fedwire network.
- [The Wire Object](https://docs.lead.bank/v2/products/wire/wire-object.md): Field-level reference for the V2 Wire object, including parties, agents, amounts, identifiers, charges, returns, and return requests.
- [Wire Statuses](https://docs.lead.bank/v2/products/wire/statuses.md): Wire statuses for incoming and outgoing wires, what each one means, and how a wire moves between them.
- [Instant Payments at Lead](https://docs.lead.bank/products/instant-payments/overview.md): Send and receive Instant Payments via FedNow and RTP
- [The Instant Payment Object](https://docs.lead.bank/products/instant-payments/the-instant-payment-object.md): Send and receive Instant Payments via FedNow and RTP
- [Sending Instant Payments](https://docs.lead.bank/products/instant-payments/sending-instant-payments.md): Send Instant Payments and Return Requests
- [Receiving Instant Payments](https://docs.lead.bank/products/instant-payments/receiving-instant-payments.md): Receive Instant Payments and Return Requests
- [Returns & Rejections](https://docs.lead.bank/products/instant-payments/rejections-and-returns.md): Return Instant Payments and handle common exceptions
- [Statuses](https://docs.lead.bank/products/instant-payments/statuses.md): View the status, counterparty status, and return request status for incoming and outgoing Instant Payments
- [Timing & Availability](https://docs.lead.bank/products/instant-payments/timing-and-availability.md): Sending and receiving payments
- [Validations & Best Practices](https://docs.lead.bank/products/instant-payments/validations.md): Best practices to reduce instant payment validation exceptions.
- [Sandbox Testing](https://docs.lead.bank/products/instant-payments/sandbox-testing.md): Test your Instant Payments integration
- [Payment Identifiers](https://docs.lead.bank/products/instant-payments/payment-identifiers.md): Reference end_to_end_id, transaction_id, and uetr identifiers used to track FedNow and RTP instant payments and returns across the Lead network.
- [Originate and Service an On-Sheet Loan](https://docs.lead.bank/v2/guides/lend/on-sheet-loan-origination-and-servicing.md): Originate a term loan on the v2 APIs, disburse the principal, and report servicing activity as it happens. For programs where Lead holds the receivable.
- [API Overview, OAuth Authentication, and IP Allowlist](https://docs.lead.bank/api-reference/using-the-api/authentication.md): Authenticate to Lead's REST APIs with OAuth2, choose the right access token scopes, and configure your IP allowlist for production traffic.
- [Idempotency](https://docs.lead.bank/api-reference/using-the-api/idempotency-v2.md): Safely retry requests without creating duplicate operations.
- [Errors](https://docs.lead.bank/api-reference/using-the-api/errors-v2.md): Understand the error responses returned by Lead's V2 APIs.
- [Create a Wire](https://docs.lead.bank/api-reference/endpoint/wire/create-a-wire-v2.md): Create a new outgoing wire
- [List all Wires](https://docs.lead.bank/api-reference/endpoint/wire/list-all-wires-v2.md): List all wire objects.
- [Retrieve a Wire](https://docs.lead.bank/api-reference/endpoint/wire/retrieve-a-wire-v2.md): Retrieve a wire object.
- [Update a Wire](https://docs.lead.bank/api-reference/endpoint/wire/update-a-wire-v2.md): Update a wire.
- [Cancel a Wire](https://docs.lead.bank/api-reference/endpoint/wire/cancel-a-wire-v2.md): Cancel a wire object.
- [Return a Wire](https://docs.lead.bank/api-reference/endpoint/wire/return-a-wire-v2.md): Initiate a return against an incoming wire.
- [Request Return for a Wire](https://docs.lead.bank/api-reference/endpoint/wire/request-return-for-wire-v2.md): Create a return request for a previously sent outgoing wire.
- [Reject a Return Request for a Wire](https://docs.lead.bank/api-reference/endpoint/wire/reject-return-request-for-wire-v2.md): Reject the currently active incoming return request associated with the wire.
- [List all Core Accounts](https://docs.lead.bank/api-reference/endpoint/core-account/list-all-core-accounts.md)
- [Retrieve a Core Account](https://docs.lead.bank/api-reference/endpoint/core-account/retrieve-a-core-account.md)
- [List all Core Balances](https://docs.lead.bank/api-reference/endpoint/core-balance/list-all-core-balances.md)
- [Retrieve a Core Balance](https://docs.lead.bank/api-reference/endpoint/core-balance/retrieve-a-core-balance.md)
- [List all Core Transactions](https://docs.lead.bank/api-reference/endpoint/core-transaction/list-all-core-transactions.md)
- [Retrieve a Core Transaction](https://docs.lead.bank/api-reference/endpoint/core-transaction/retrieve-a-core-transaction.md)
- [Simulate Incoming Wire V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-v2.md): Simulates an incoming wire against a creditor account in sandbox. Automatically advances to posted on creation; no call to advance required.
- [Simulate Incoming Wire Return V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-v2.md): Simulates an incoming return wire against an outgoing wire in sandbox. Automatically advances to posted on creation.
- [Simulate Advance Wire V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-advance-wire-v2.md): Advance a Wire in Sandbox.
- [Simulate Incoming Wire Return Request Acceptance V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-acceptance-v2.md): Simulate an incoming wire return request acceptance.
- [Simulate Incoming Wire Return Request V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-v2.md): Simulate an incoming wire return request.
- [Simulate Incoming Wire Return Request Rejection V2](https://docs.lead.bank/api-reference/endpoint/simulation/simulate-incoming-wire-return-request-rejection-v2.md): Simulate an incoming wire return request rejection.

## OpenAPI Specs

- [openapi](/api-reference/openapi.yml)
- [openapi](/openapi.json)


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