Money Movement

Global reach on a direct line to FedWire

Move money domestically and internationally through FedWire in real time. With direct access to the Federal Reserve and global reach through SWIFT, payments move securely and without delay.

Close to the metal

Lead connects directly to FedWire, allowing domestic wire transfers to settle in real time and eliminating the need for middleware providers.

Domestic settlement

Send and receive domestic wires, which settle individually as they are processed, making them ideal for high-value, time-sensitive payments that cannot wait for batch windows.

International settlement

Send USD internationally via wire transfer. International wires route through SWIFT’s network of over 11,000 institutions across 200+ countries.

Full lifecycle visibility

Track the status of every wire through real-time webhook notifications, from creation through settlement, return, or rejection.

01

Close to the metal

Lead connects directly to FedWire, allowing domestic wire transfers to settle in real time and eliminating the need for middleware providers.

02

Domestic settlement

Send and receive domestic wires, which settle individually as they are processed, making them ideal for high-value, time-sensitive payments that cannot wait for batch windows.

03

International settlement

Send USD internationally via wire transfer. International wires route through SWIFT’s network of over 11,000 institutions across 200+ countries.

04

Full lifecycle visibility

Track the status of every wire through real-time webhook notifications, from creation through settlement, return, or rejection.

A single point of accountability

Lead operates its own direct FedWire connection, eliminating intermediary banks and middleware. Your payments move through the institution that actually settles them, providing faster processing and a single point of accountability.

Built for high-value payments

When timing matters, wires remain the fastest and most reliable way to move large sums domestically and internationally. Whether funding accounts, settling transactions, or supporting treasury operations, Lead provides real-time settlement backed by direct access to the Federal Reserve.

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.

curl --request POST \
  --url https://api.sandbox.lead.bank/v1/wires \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "account_number_id": "account_number_xyz123",
  "amount": 5000,
  "currency_code": "USD",
  "creditor_agent": {
    "routing_number": "021000021",
    "business_identifier_code": "CHASUS33",
    "local_routing_identifier": {
      "value": "123456"
    }
  },
  "creditor": {
    "name": "Allan Scott",
    "account_identifier": {
      "type": "account_number",
      "value": "1032345678"
    },
    "address": {
      "line_one": "123 Main St",
      "line_two": "Suite 100",
      "line_three": "Kansas City, MO 64105"
    }
  },
  "remittance_details": {
    "transfer_purpose": {
      "type": "invoice_payment",
      "other_details": "Payment for consulting services"
    },
    "message_to_creditor": "Payment for invoice 12345"
  },
  "payment_identifiers": {
    "end_to_end_identification": "EndtoEnd12345"
  },
  "instructed_agent": {
    "routing_number": "021000021",
    "business_identifier_code": "CHASUS33",
    "local_routing_identifier": {
      "value": "123456"
    }
  },
  "metadata": {}
}
'
curl --request GET \
  --url 'https://api.sandbox.lead.bank/v1/wires?limit=10' \
  --header 'Authorization: Bearer <token>'
curl --request GET \
  --url https://api.sandbox.lead.bank/v1/wires/{wire_id} \
  --header 'Authorization: Bearer <token>'