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Digital Assets
On/Off Ramps

Seamlessly convert between fiat and stablecoins

Convert between USD and stablecoins instantly. On-ramp and off-ramp for yourself or on behalf of a third party, and move value across every major blockchain network. Funds settle directly in your Lead deposit accounts, so you never have to pre-fund a separate provider or reconcile a balance held somewhere else.

‍

Always-on banking

Convert between USD and stablecoins instantly, 24 hours a day, 365 days a year, including weekends and holidays.

Pay-ins and payouts

On-ramp and off-ramp for your own treasury or on behalf of a third party. The same rails handle incoming and outgoing funds, so a single API integration covers both funding your own operations and moving funds for a third party.

Blockchain network availability

Lead is enabled on major networks like Ethereum, Solana, and Base, and is always adding more, so you can support your customers on whichever chain they already use.

FDIC insurance

At Lead, our on/off ramps always convert stablecoins to and from USD. This means your funds begin and settle as USD in your FDIC-insured demand deposit accounts, or in FBO structures with pass-through insurance to your end users.

01

Always-on banking

Convert between USD and stablecoins instantly, 24 hours a day, 365 days a year, including weekends and holidays.

02

Pay-ins and payouts

On-ramp and off-ramp for your own treasury or on behalf of a third party. The same rails handle incoming and outgoing funds, so a single API integration covers both funding your own operations and moving funds for a third party.

03

Blockchain network availability

Lead is enabled on major networks like Ethereum, Solana, and Base, and is always adding more, so you can support your customers on whichever chain they already use.

04

FDIC insurance

At Lead, our on/off ramps always convert stablecoins to and from USD. This means your funds begin and settle as USD in your FDIC-insured demand deposit accounts, or in FBO structures with pass-through insurance to your end users.

One bank. All major payment rails.

Stablecoins become just another payment rail, settling via the same banking relationship as fiat. With one integration, you can send funds over ACH, wire, FedNow, RTP, and blockchain networks, with freedom to choose the most efficient rail for each transaction without onboarding another vendor.

No additional providers needed

With on/off ramp capabilities, there is no need to onboard multiple vendors and incur the challenges and wait times of moving funds between institutions. At Lead, funds stay in one place, ready the moment you need them, and freeing up capital that would otherwise sit trapped in a third party's account.

Explore API docs

Build directly on Lead’s developer-first banking infrastructure. Our APIs are designed for straightforward integration, with the flexibility to scale as your product evolves.

Create Blockchain Payment
curl --request POST \
  --url https://api.sandbox.lead.bank/v0/blockchain_payments \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "debtor": {
    "account_identifier": {
      "type": "account_number_id",
      "value": "account_number_xyz123"
    },
    "chain": "ethereum",
    "refund_wallet_address": "0xabc123def456",
    "entity_id": "entity_xyz123"
  },
  "creditor": {
    "payment_rail": "wire",
    "ach": {
      "account_number": "123456789",
      "routing_number": "021000021"
    },
    "type": "individual",
    "address": {
      "line_one": "123 Main St",
      "city": "San Francisco",
      "country": "US",
      "line_two": "Suite 100",
      "state": "CA",
      "postal_code": "94105"
    }
  },
  "amounts": {
    "instructed_amount": 100000,
    "instructed_currency_code": "USD",
    "settlement_currency_code": "MXN"
  },
  "payment_purpose": {
    "type": "invoice_payment",
    "other_details": "Monthly vendor payment"
  },
  "reference": "INV2024001"
}
'
Read Documentation

Explore ways 
On/Off Ramps
can be used.

Cross-Border Payments

Let global users move USD across borders

Neobanks

Earn top-of-wallet status with your users

Workforce & Market­place Payouts

Customize the way people get paid