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Programmable Accounts
Accounts

Programmable accounts with protection that scales

Open FDIC-insured accounts with configurable account structures, payment rails that run on a direct connection to the Federal Reserve, and deposit insurance options designed to grow with your program.

Expanded deposit coverage

Open FDIC-insured direct demand deposit accounts, or FBO structures with pass-through insurance. When higher limits are required, we provide protection that scales via three IntraFi programs.

Unique account numbers

Issue account numbers with different permissions and limits to individual customers, making it easier to track and reconcile payments and deposits.

Flexible account structures

Manage funds on behalf of your users with the FBO account structure. This segregation keeps end-user funds clearly attributed and simplifies reconciliation and oversight.

Transaction controls

Configure how account numbers can send and receive funds, and to whom, with transaction controls tailored to specific use cases.

Major payment rails

Allow your users to move money on the payment rail of their choice: ACH, wires, checks, instant payments, or stablecoin.

01

Expanded deposit coverage

Open FDIC-insured direct demand deposit accounts, or FBO structures with pass-through insurance. When higher limits are required, we provide protection that scales via three IntraFi programs.

02

Unique account numbers

Issue account numbers with different permissions and limits to individual customers, making it easier to track and reconcile payments and deposits.

03

Flexible account structures

Manage funds on behalf of your users with the FBO account structure. This segregation keeps end-user funds clearly attributed and simplifies reconciliation and oversight.

04

Transaction controls

Configure how account numbers can send and receive funds, and to whom, with transaction controls tailored to specific use cases.

05

Major payment rails

Allow your users to move money on the payment rail of their choice: ACH, wires, checks, instant payments, or stablecoin.

One partner for every need

Lead owns the charter, the underlying banking infrastructure, and the direct connection to the Federal Reserve, eliminating the need for middleware providers. You remain the ledger of record for your customer balances, while Lead provides regulated banking infrastructure, with ongoing oversight from our risk, compliance, and legal teams.

The base layer

Accounts are the foundation for every financial product that follows. Lending, card issuing, and money movement become simpler when they are built on the same banking infrastructure. We built our Accounts product entirely in house. You get a direct line to the people who own the charter, so when issues arise you get answers and solutions quickly.

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 Account
Activate Account
Retrieve Account
curl --request POST \
  --url https://api.sandbox.lead.bank/v0/accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "capabilities": [
    "deposit"
  ],
  "entities": {
    "account_holder_type": "consumer",
    "account_holders": [
      "entity_consumer_123"
    ]
  },
  "details": {
    "product_name": "Everyday Checking"
  },
  "metadata": {}
}
'

curl --request POST \
  --url https://api.sandbox.lead.bank/v0/accounts/{id}/activate \
  --header 'Authorization: Bearer <token>' \
  --header 'Idempotency-Key: <idempotency-key>'
curl --request GET \
  --url https://api.sandbox.lead.bank/v0/accounts/{id} \
  --header 'Authorization: Bearer <token>'
Read Documentation

Explore ways 
Accounts
can be used.

Buy Now, Pay Later

Enable pay-over-time structures without a charter

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