> ## 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.

# The Core Account Object

> Field-level reference for the Core Account object, including account types, entity relationships, and allowed actors.

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}`.

```json theme={null}
{
  "id": "core_account_2xYv6Kn3Jp7QuS2lY5mAbC0dE4f",
  "name": "Partner FBO",
  "type": "attributed",
  "status": "active",
  "entities": {
    "account_holder_type": "lead",
    "account_holders": ["entity_lead_001"],
    "authorized_users": []
  },
  "allowed_actors": ["entity_partner_001"],
  "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](#account-types). |
| `status` | enum | `active`, `inactive`, or `closed`. Lead manages all transitions. See [Core Account Statuses](/products/core-account/statuses). |
| `entities` | object | Who holds the account. See [The entities block](#the-entities-block). |
| `allowed_actors` | array of entity IDs | Entities other than the holders that may have account numbers on this account. See [Allowed actors](#allowed-actors). |
| `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` type entities that Lead provisions during onboarding. They appear on `GET /v0/entities` as read-only records and cannot be created or updated by you. See [Entity](/products/entity/overview).

## Allowed actors

Some Lead-held accounts need a partner-owned account number, for example an FBO that Lead holds but that your treasury team needs to route into. `allowed_actors` lists the entity IDs that may hold account numbers on this account even though they are not account holders.

Under Account Number V2, an account number's `entity_id` must be either an account holder on the parent core account or an entry in `allowed_actors`. On v1, `allowed_actors` is informational and nothing is enforced against it.

## 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](/api-reference/using-the-api/errors) page.

## Related

[Core Account Overview](/products/core-account/overview) · [Core Account Statuses](/products/core-account/statuses) · [The Core Balance Object](/products/core-balance/core-balance-object) · [Account Numbers](/products/account-number/overview)


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