The Core Account Object

A core account is a bank account on Lead’s core. Lead creates one for each account your program needs during onboarding. You read them with GET /v2/core_accounts and GET /v2/core_accounts/{id}.

{
  "id": "core_account_2xYv6Kn3Jp7QuS2lY5mAbC0dE4f",
  "name": "Partner FBO",
  "type": "attributed",
  "status": "active",
  "entities": {
    "account_holder_type": "lead",
    "account_holders": ["entity_lead_001"],
    "authorized_users": []
  },
  "created_at": "2026-03-02T14:00:00Z",
  "updated_at": "2026-03-02T14:00:00Z"
}

Fields

Field	Type	Description
`id`	string	Unique identifier, prefixed `core_account_`.
`name`	string	Human-readable name set by Lead, for example “Consumer FBO” or “Operating DDA”. Matches the account title you see in the Daily Balance report and online banking.
`type`	enum	What the account is for: `attributed`, `direct`, or `shadow`. See Account types.
`status`	enum	`active`, `inactive`, or `closed`. Lead manages all transitions. See Core Account Statuses.
`entities`	object	Who holds the account. See The entities block.
`created_at`, `updated_at`	timestamp	RFC 3339, UTC.

Account types

attributed. An FBO whose funds are fully attributed to end customers. Each customer’s share is a user balance beneath this account. Most consumer deposit programs have one of these.
direct. Everything else your program runs on: operating, settlement, revenue, and reserve DDAs, and any FBO that is not attributed at the customer level. Account numbers can attach directly to a direct account’s balance, so payments can route to it.
shadow. A sweep or placement position, such as IntraFi ICS, that mirrors funds held elsewhere. You can read its balance. Nothing transacts against it directly and account numbers never attach.

The entities block

Field	Type	Description
`account_holder_type`	enum	`lead` if Lead holds the account, `partner` if your company does.
`account_holders`	array	Entity IDs of the holders.
`authorized_users`	array	Entity IDs of authorized users.

The entities referenced here are lead or partner entities that Lead sets up during onboarding. They are read only, so you cannot create or update them. Retrieve one with GET /v2/entities/{id} once Entity v2 is turned on for your program. Entity v0 does not return them, and GET /v0/entities/{id} returns 404. See Entity v2.

List and retrieve

GET /v2/core_accounts returns every core account visible to your program. Filters:

type. One of attributed, direct, shadow.
limit, starting_after, ending_before. Cursor pagination. Cursors are core account IDs.

GET /v2/core_accounts/{id} returns one account. Returns 404 if the ID does not exist or belongs to another program. Neither endpoint triggers webhooks or business validations. Errors are the standard set on the Errors page. Core Account Overview · Core Account Statuses · The Core Balance Object · Account Numbers

Banking Infrastructure

Lending & Receivables

Payment Rails

Customers & Accounts

Network Settlement

Fields

Account types

The entities block

List and retrieve

​Fields

​Account types

​The entities block

​List and retrieve

​Related

Fields

Account types

The entities block

List and retrieve

Related