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Full detail: Where this data comes from
Lead Bank is a Kansas City-chartered FDIC-insured bank operating as a sponsor bank and embedded-finance infrastructure provider for fintech partners. The platform is organized around four product pillars - Lend (term loans, lines of credit, BNPL, in-app financing), Move (ACH, instant payments, wires, international wires, stablecoin transfers, payment controls), Issue (physical and virtual credit / debit cards, custom account numbers), and Store (FDIC-insured multi-currency deposit accounts). APIs and file integrations (SFTP) are documented at docs.lead.bank but access is gated through Lead Bank's partner-onboarding process. Recognized on the Forbes Next Billion-Dollar Startups and CNBC Disruptor 50 lists.
APIs.json: https://raw.githubusercontent.com/api-evangelist/lead-bank/refs/heads/main/apis.yml
- Banking
- Sponsor Bank
- Embedded Finance
- Banking as a Service
- Payments
- Lending
- Cards
- Deposits
- Created: 2026-05-23
- Modified: 2026-05-23
Embedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-later products. Covers origination, underwriting, servicing, and disbursement.
- Human URL: https://docs.lead.bank/api-integrations/overview
- Base URL:
gated-partner-access
- Lending
- Credit
- BNPL
- Origination
Money-movement API spanning ACH, instant payments (RTP / FedNow), domestic and international wires, stablecoin transfers, and partner-configurable payment controls.
- Human URL: https://docs.lead.bank/api-integrations/overview
- Base URL:
gated-partner-access
- Payments
- ACH
- RTP
- FedNow
- Wires
- Stablecoin
Card-issuing API for physical and virtual credit and debit cards plus custom-generated account numbers used in card-program back-ends.
- Human URL: https://docs.lead.bank/api-integrations/overview
- Base URL:
gated-partner-access
- Cards
- Issuing
- Virtual Cards
Deposit-account API for opening and managing FDIC-insured accounts on behalf of partner-program end users, including multi-currency balances and flexible account structures.
- Human URL: https://docs.lead.bank/api-integrations/overview
- Base URL:
gated-partner-access
- Accounts
- Deposits
- FDIC
- Multi-Currency
File-based integration channel over SFTP for partners that ingest or emit batch files (NACHA, reconciliation, settlement reports).
- Human URL: https://docs.lead.bank/file-integrations/sftp-setup
- Base URL:
gated-partner-access
- SFTP
- File Integration
- Batch
- NACHA
Outbound webhook events covering account, payment, card, and lending lifecycle changes. Endpoints configured per partner program.
- Human URL: https://docs.lead.bank
- Base URL:
customer-configured
- Webhooks
- Events
FN: Kin Lane Email: kin@apievangelist.com