What You Can Build with Lead
Lead organizes its capabilities into four product pillars. Most programs combine more than one.Lend
Originate term loans and lines of credit — both secured & unsecured — and disburse funds to where they need to go.
Issue
Issue debit, prepaid, & credit cards through your card-issuing processor while Lead handles settlement flows & oversight.
Move
Send and receive payments and transfers across domestic, international, and blockchain rails.
Store
Hold customer funds in deposit accounts with FDIC insurance and optimized account structures for your program.
How You Integrate
Lead’s workflows are built around two interfaces:- APIs for workflows that are time-sensitive and require real-time actions
- Files for batch, once-per-day reporting workflows
REST APIs
Purpose-built for real-time actions: creating entities, sending payments, and reacting to webhook events. JSON over HTTPS, OAuth2 client credentials, idempotency-key support.APIs are not yet available for all flows. Additional endpoints are in active development — see the Changelog for upcoming releases.
File Integrations (SFTP)
Utilized for batch workflows such as balance and transaction reporting and network settlement reports. Pipe-delimited CSV with a documented schema per file type.Core Objects
Lead represents every program in terms of five core objects. You’ll see this same vocabulary throughout the API, file schemas, and reports.| Object | What it Represents |
|---|---|
| Entity | A legal person or organization — an individual, sole proprietor, or business. The starting point for every customer relationship. KYC and OFAC screening apply at the Entity level. |
| Account | A financial product held by one or more entities. |
| Account Number | A routable address that money can be sent to or from. Multiple account numbers can map to a single account/balance. |
| Balance | The current and available funds on an account, including any subledger balances you maintain. |
| Transaction | An individual debit or credit posted to an account, with full lineage back to the originating payment. |
Where to Start
Pick the path that matches your role on the implementation team. If you’re a developer:- Make Your First Payment API Call (15 minutes): Authenticate, create an entity, assign an account number, simulate an incoming ACH credit, and send an outgoing ACH.
- Originate Your First Loan (25 minutes): Authenticate, create a borrower Entity, record the underwriting decision as an Application, open a credit-enabled Account, define the loan terms on a Subledger Balance, and executed your first Funding request.
- Sandbox Environment: Understand what’s available and simulated.
- Program Launch: The contracting, due diligence, and technical integration milestones from kickoff to testing and go-live.
- Partner Site: SLAs, compliance and data requirements, risk management framework, program policies, and more.