Let global users move USD across borders
For platforms that serve users abroad, Lead offers compliant cross-border payment capabilities powered by FDIC-insured FBO accounts, unique account numbers, ACH, wires, and debit cards for spending internationally.
Challenge
Your users may live outside the US but still need to easily receive, hold, and spend US dollars. That requires a complex banking stack: a partner bank for FBO accounts, a payments provider for ACH and wire, a card issuer for an international spending product, and a correspondent network for international USD, all while you keep your own ledger and customer experience intact.
Solution
Lead provides the US banking infrastructure behind that experience. Our FBO structure with dedicated account numbers for each end user ensures deposits and withdrawals made over ACH and wire are attributed to the right user. For programs that include international spending, we can issue cross-border debit and prepaid cards, enable international USD wires, and you can layer stablecoins as a payment rail to send funds internationally. Lead provides the accounts, payment rails, card issuing, and the FedWire and correspondent network connection under one charter. Meaning you can give your global user base a USD foothold without stitching together separate banking, payments, and correspondent relationships.
