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Card Programs
Credit & Charge Cards

Credit cards built for the API era

Launch credit and charge card programs on Visa, Mastercard, and American Express with a dedicated BIN, your preferred processor, and flexible collateral models. Lead originates the receivables and settles directly with your network of choice.

Stablecoin network settlement

Lead settles with the card networks using stablecoins seven days a week. Faster, blockchain-based funds movement mitigates settlement risk, reduces reserve requirements, and frees up capital, all while keeping crypto invisible to your program.

Dedicated BIN

Launch cards on a dedicated BIN sponsorship, backed by Lead's principal memberships with Visa, Mastercard, and American Express.

Processor of your choice

Instead of being locked into a bundled technology stack, you get to bring the issuing processor that best fits your program.

Versatile collateral structures

Support secured, partially secured, or unsecured programs designed around your underwriting model.

Consumer, commercial and brand support

Issue custom-designed virtual cards or physical cards, for both consumer and commercial use cases.

01

Stablecoin network settlement

Lead settles with the card networks using stablecoins seven days a week. Faster, blockchain-based funds movement mitigates settlement risk, reduces reserve requirements, and frees up capital, all while keeping crypto invisible to your program.

02

Dedicated BIN

Launch cards on a dedicated BIN sponsorship, backed by Lead's principal memberships with Visa, Mastercard, and American Express.

03

Processor of your choice

Instead of being locked into a bundled technology stack, you get to bring the issuing processor that best fits your program.

04

Versatile collateral structures

Support secured, partially secured, or unsecured programs designed around your underwriting model.

05

Consumer, commercial and brand support

Issue custom-designed virtual cards or physical cards, for both consumer and commercial use cases.

One bank. Every major network.

Because Lead is a principal member of Visa, Mastercard, and American Express, you will never have to source another sponsor bank in order to access one of the major networks. Launch across one, two, or all three networks with a single banking relationship.

Built around your program

Choose the processor, collateral model, and user experience that fit your business, not the limitations of your sponsor bank. With a dedicated BIN and Lead's principal network memberships, you can launch sophisticated card programs without becoming a network member yourself.

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 Card
Activate Card
Retrieve Card
curl --request POST \
  --url https://api.sandbox.lead.bank/v0/cards \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "account_id": "account_xyz123",
  "entity_id": "entity_xyz123",
  "details": {
    "card_product_name": "Rewards Visa",
    "is_virtual": false,
    "card_type": "consumer",
    "expiry_date": "2029-01-31",
    "last_four": "1234"
  },
  "metadata": {}
}
'

curl --request GET \
  --url https://api.sandbox.lead.bank/v0/cards/{id} \
  --header 'Authorization: Bearer <token>'

curl --request GET \
  --url https://api.sandbox.lead.bank/v0/cards/{id} \
  --header 'Authorization: Bearer <token>'
Read Documentation

Explore ways 
Credit & Charge Cards
can be used.

Buy Now, Pay Later

Enable pay-over-time structures without a charter

Credit Builder

Give your users a path to better credit

Embedded Issuing

Build a card directly into your product

Neobanks

Earn top-of-wallet status with your users