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Upcoming ChangesWe’re introducing additional validation to ensure every Balance references a valid parent Account. Partners submitting Balance files should review their account creation and file generation workflows before validation is enforced on October 6, 2026.👉 View Details

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What They Represent

A Balance is your customer’s position in a product on an Account: for deposit products, the money they hold; for credit products, the terms of the loan or line and the outstanding position against it. A Transaction is an individual item of activity against a balance. Because you are the ledger of record for your customers, these are reporting objects — you maintain them in your systems and report them to Lead, and Lead’s compliance oversight of your program depends on their accuracy and timeliness.

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Deposit and Credit Balances

Deposit balances are reported through the daily files. Credit balances are additionally created through the Subledger Balance API — type: credit, structure: revolving or non_revolving, carrying the loan’s terms — and then serviced through the same daily files as everything else. The distinction matters operationally: for credit products the reported position gates what happens next (available credit limits the next Funding draw), so reporting accuracy is load-bearing, not just compliance-relevant.

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Reconciliations

Lead performs daily reconciliations on the reported transactions and balances. The expectation is that balance on T equals balance on T-1 plus transactions affecting the balance from T.
  • For deposit programs, reconciliation may include rewards_amount, dispute_balance, charge_off_balance, and interest_accrued_balance in addition to balance.
  • For credit programs, reconciliation may include rewards_amount, dispute_balance, charge_off_balance, and past_due_balance, in addition to balance and its components principal, fees, and interest).

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Cadence

Balance and Transaction files are due by 6:00 a.m. CT the business day after the activity; submit an empty file on days with nothing to report.

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In this section

Transaction Types — the classification every reported transaction carries · Balance Statuses — the balance lifecycle and who changes it (you do; there are no lifecycle webhooks — Executing vs. Reporting) · Balance Reconciliation — how your reported positions are reconciled against Lead’s records.

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Reference

API Reference: Subledger Balance endpoints · File Reference: Balance & Transaction File Schemas.