Lead Bank

Lead Bank is a Kansas City-chartered FDIC-insured bank operating as a sponsor bank and embedded-finance infrastructure provider for fintech partners. The platform is organized around four product pillars - Lend (term loans, lines of credit, BNPL, in-app financing), Move (ACH, instant payments, wires, international wires, stablecoin transfers, payment controls), Issue (physical and virtual credit / debit cards, custom account numbers), and Store (FDIC-insured multi-currency deposit accounts). APIs and file integrations (SFTP) are documented at docs.lead.bank but access is gated through Lead Bank's partner-onboarding process. Recognized on the Forbes Next Billion-Dollar Startups and CNBC Disruptor 50 lists.

Lead Bank publishes 16 APIs on the APIs.io network, including Account Number API, ACH API, Blockchain Payment API, and 13 more. Tagged areas include Banking, Sponsor Bank, Embedded Finance, Banking as a Service, and Payments.

Lead Bank’s developer surface includes authentication, documentation, changelog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

33.9/100 thin ▬ flat Agent 41/100 agent native Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessFreeSelf serve⚡ Free to try

1 APIs

BankingSponsor BankEmbedded Finance Banking as a Service Payments Lending Cards Deposits

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 33.9/100 · thin

Contract Quality 10.7 / 19

Developer Ergonomics 3.2 / 15

Access Clarity 4.3 / 15

Operational Transparency 3.6 / 10

Contract Governance 0.0 / 9

Discoverability 5.7 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 41/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/lead-bank: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 22

Individual APIs this provider publishes, each with its own machine-readable definition.

Lead Bank Lend API

Embedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-later products. Covers origination, underwriting, servicing, and disburse...

Lead Bank Move API

Money-movement API spanning ACH, instant payments (RTP / FedNow), domestic and international wires, stablecoin transfers, and partner-configurable payment controls.

Lead Bank Issue API

Card-issuing API for physical and virtual credit and debit cards plus custom-generated account numbers used in card-program back-ends.

Lead Bank Store API

Deposit-account API for opening and managing FDIC-insured accounts on behalf of partner-program end users, including multi-currency balances and flexible account structures.

Lead Bank File Integrations (SFTP)

File-based integration channel over SFTP for partners that ingest or emit batch files (NACHA, reconciliation, settlement reports).

Lead Bank Webhooks

Outbound webhook events covering account, payment, card, and lending lifecycle changes. Endpoints configured per partner program.

Lead Bank Account Number API

The Account Number API from Lead Bank — 7 operation(s) for account number.

Lead Bank ACH API

The ACH API from Lead Bank — 5 operation(s) for ach.

Lead Bank Blockchain Payment API

The Blockchain Payment API from Lead Bank — 2 operation(s) for blockchain payment.

Lead Bank Compliance API

The Compliance API from Lead Bank — 11 operation(s) for compliance.

Lead Bank Entity API

The Entity API from Lead Bank — 2 operation(s) for entity.

Lead Bank Events API

The Events API from Lead Bank — 2 operation(s) for events.

Lead Bank Funding API

The Funding API from Lead Bank — 3 operation(s) for funding.

Lead Bank Instant Payments API

The Instant Payments API from Lead Bank — 7 operation(s) for instant payments.

Lead Bank Internal Transfer API

The Internal Transfer API from Lead Bank — 2 operation(s) for internal transfer.

Lead Bank Lending API

The Lending API from Lead Bank — 3 operation(s) for lending.

Lead Bank Lending Simulation API

The Lending Simulation API from Lead Bank — 1 operation(s) for lending simulation.

Lead Bank OAuth API

The OAuth API from Lead Bank — 1 operation(s) for oauth.

Lead Bank Originator API

The Originator API from Lead Bank — 5 operation(s) for originator.

Lead Bank Simulation API

The Simulation API from Lead Bank — 11 operation(s) for simulation.

Lead Bank Subledger Balances API

The Subledger Balances API from Lead Bank — 2 operation(s) for subledger balances.

Lead Bank Wire API

The Wire API from Lead Bank — 4 operation(s) for wire.

Scroll for all 22

Open Collections 18

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Lead Bank Account Number API

OPEN COLLECTION

Lead Bank Account Number ACH API

OPEN COLLECTION

Lead Bank Account Number Blockchain Payment API

OPEN COLLECTION

Lead Bank Account Number Compliance API

OPEN COLLECTION

Lead Bank Account Number Entity API

OPEN COLLECTION

Lead Bank Account Number Events API

OPEN COLLECTION

Lead Bank Account Number Funding API

OPEN COLLECTION

Lead Bank Account Number Instant Payments API

OPEN COLLECTION

Lead Bank Account Number Internal Transfer API

OPEN COLLECTION

Lead Bank Account Number Lending API

OPEN COLLECTION

Lead Bank Account Number Lending Simulation API

OPEN COLLECTION

Lead Bank Account Number OAuth API

OPEN COLLECTION

Lead Bank Account Number Originator API

OPEN COLLECTION

Lead Bank Account Number Simulation API

OPEN COLLECTION

Lead Bank Account Number Subledger Balances API

OPEN COLLECTION

Lead Bank Account Number Wire API

OPEN COLLECTION

Lead Bank

OPEN COLLECTION

Scroll for all 18

Pricing Plans 1

Published pricing tiers and plan structures.

Lead Bank Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Lead Bank Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Lead Bank Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Lead Bank Authentication

http · 1 scheme

SECURITY

Lead Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Lead Bank Agentic Access

83 operations · 58 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

PartnerPortal

PartnerPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

ContactSales

ContactSales

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: lead-bank
url: https://raw.githubusercontent.com/api-evangelist/lead-bank/refs/heads/main/apis.yml
name: Lead Bank
kind: company
description: Lead Bank is a Kansas City-chartered FDIC-insured bank operating as a sponsor bank and embedded-finance infrastructure
  provider for fintech partners. The platform is organized around four product pillars - Lend (term loans, lines of credit,
  BNPL, in-app financing), Move (ACH, instant payments, wires, international wires, stablecoin transfers, payment controls),
  Issue (physical and virtual credit / debit cards, custom account numbers), and Store (FDIC-insured multi-currency deposit
  accounts). APIs and file integrations (SFTP) are documented at docs.lead.bank but access is gated through Lead Bank's partner-onboarding
  process. Recognized on the Forbes Next Billion-Dollar Startups and CNBC Disruptor 50 lists.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lead-bank.png
tags:
- Banking
- Sponsor Bank
- Embedded Finance
- Banking as a Service
- Payments
- Lending
- Cards
- Deposits
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.23'
apis:
- aid: lead-bank:lend
  name: Lead Bank Lend API
  description: Embedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-later
    products. Covers origination, underwriting, servicing, and disbursement.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Lending
  - Credit
  - Buy Now Pay Later
  - Origination
  tags_raw:
  - Lending
  - Credit
  - BNPL
  - Origination
  properties:
  - type: Documentation
    url: https://docs.lead.bank/api-integrations/overview
- aid: lead-bank:move
  name: Lead Bank Move API
  description: Money-movement API spanning ACH, instant payments (RTP / FedNow), domestic and international wires, stablecoin
    transfers, and partner-configurable payment controls.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Payments
  - ACH
  - RTP
  - FedNow
  - Wires
  - Stablecoins
  tags_raw:
  - Payments
  - ACH
  - RTP
  - FedNow
  - Wires
  - Stablecoin
  properties:
  - type: Documentation
    url: https://docs.lead.bank/api-integrations/overview
- aid: lead-bank:issue
  name: Lead Bank Issue API
  description: Card-issuing API for physical and virtual credit and debit cards plus custom-generated account numbers used
    in card-program back-ends.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Cards
  - Issuing
  - Virtual Cards
  properties:
  - type: Documentation
    url: https://docs.lead.bank/api-integrations/overview
- aid: lead-bank:store
  name: Lead Bank Store API
  description: Deposit-account API for opening and managing FDIC-insured accounts on behalf of partner-program end users,
    including multi-currency balances and flexible account structures.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Account
  - Deposits
  - FDIC
  - Multi-Currency
  tags_raw:
  - Accounts
  - Deposits
  - FDIC
  - Multi-Currency
  properties:
  - type: Documentation
    url: https://docs.lead.bank/api-integrations/overview
- aid: lead-bank:file-integrations
  name: Lead Bank File Integrations (SFTP)
  description: File-based integration channel over SFTP for partners that ingest or emit batch files (NACHA, reconciliation,
    settlement reports).
  humanURL: https://docs.lead.bank/file-integrations/sftp-setup
  baseURL: gated-partner-access
  tags:
  - SFTP
  - File Integration
  - Batch
  - NACHA
  properties:
  - type: Documentation
    url: https://docs.lead.bank/file-integrations/sftp-setup
- aid: lead-bank:webhooks
  name: Lead Bank Webhooks
  description: Outbound webhook events covering account, payment, card, and lending lifecycle changes. Endpoints configured
    per partner program.
  humanURL: https://docs.lead.bank
  baseURL: customer-configured
  tags:
  - Webhook
  - Event
  tags_raw:
  - Webhooks
  - Events
  properties:
  - type: Documentation
    url: https://docs.lead.bank
- aid: lead-bank:lead-bank-account-number-api
  name: Lead Bank Account Number API
  description: The Account Number API from Lead Bank — 7 operation(s) for account number.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Account Number
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-account-number-api-openapi.yml
- aid: lead-bank:lead-bank-ach-api
  name: Lead Bank ACH API
  description: The ACH API from Lead Bank — 5 operation(s) for ach.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - ACH
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-ach-api-openapi.yml
- aid: lead-bank:lead-bank-blockchain-payment-api
  name: Lead Bank Blockchain Payment API
  description: The Blockchain Payment API from Lead Bank — 2 operation(s) for blockchain payment.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Blockchain Payment
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-blockchain-payment-api-openapi.yml
- aid: lead-bank:lead-bank-compliance-api
  name: Lead Bank Compliance API
  description: The Compliance API from Lead Bank — 11 operation(s) for compliance.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-compliance-api-openapi.yml
- aid: lead-bank:lead-bank-entity-api
  name: Lead Bank Entity API
  description: The Entity API from Lead Bank — 2 operation(s) for entity.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Entity
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-entity-api-openapi.yml
- aid: lead-bank:lead-bank-events-api
  name: Lead Bank Events API
  description: The Events API from Lead Bank — 2 operation(s) for events.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-events-api-openapi.yml
- aid: lead-bank:lead-bank-funding-api
  name: Lead Bank Funding API
  description: The Funding API from Lead Bank — 3 operation(s) for funding.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Funding
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-funding-api-openapi.yml
- aid: lead-bank:lead-bank-instant-payments-api
  name: Lead Bank Instant Payments API
  description: The Instant Payments API from Lead Bank — 7 operation(s) for instant payments.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Instant Payments
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-instant-payments-api-openapi.yml
- aid: lead-bank:lead-bank-internal-transfer-api
  name: Lead Bank Internal Transfer API
  description: The Internal Transfer API from Lead Bank — 2 operation(s) for internal transfer.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Internal Transfer
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-internal-transfer-api-openapi.yml
- aid: lead-bank:lead-bank-lending-api
  name: Lead Bank Lending API
  description: The Lending API from Lead Bank — 3 operation(s) for lending.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Lending
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-lending-api-openapi.yml
- aid: lead-bank:lead-bank-lending-simulation-api
  name: Lead Bank Lending Simulation API
  description: The Lending Simulation API from Lead Bank — 1 operation(s) for lending simulation.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Lending Simulation
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-lending-simulation-api-openapi.yml
- aid: lead-bank:lead-bank-oauth-api
  name: Lead Bank OAuth API
  description: The OAuth API from Lead Bank — 1 operation(s) for oauth.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Authentication
  tags_raw:
  - OAuth
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-oauth-api-openapi.yml
- aid: lead-bank:lead-bank-originator-api
  name: Lead Bank Originator API
  description: The Originator API from Lead Bank — 5 operation(s) for originator.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Originator
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-originator-api-openapi.yml
- aid: lead-bank:lead-bank-simulation-api
  name: Lead Bank Simulation API
  description: The Simulation API from Lead Bank — 11 operation(s) for simulation.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Simulation
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-simulation-api-openapi.yml
- aid: lead-bank:lead-bank-subledger-balances-api
  name: Lead Bank Subledger Balances API
  description: The Subledger Balances API from Lead Bank — 2 operation(s) for subledger balances.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Subledger Balances
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-subledger-balances-api-openapi.yml
- aid: lead-bank:lead-bank-wire-api
  name: Lead Bank Wire API
  description: The Wire API from Lead Bank — 4 operation(s) for wire.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Wire
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-wire-api-openapi.yml
common:
- type: CapabilityMap
  url: capabilities/lead-bank-capability-edges.yml
  name: Lead Bank Business Capability Map
- type: AgenticAccess
  url: agentic-access/lead-bank-agentic-access.yml
- type: DomainSecurity
  url: security/lead-bank-domain-security.yml
- type: Authentication
  url: authentication/lead-bank-authentication.yml
- type: Website
  url: https://lead.bank/
- type: Documentation
  url: https://docs.lead.bank/
- type: PartnerPortal
  url: https://partners.lead.bank/
- type: ChangeLog
  url: https://docs.lead.bank/changelog
- type: ContactSales
  url: https://lead.bank/contact
- type: LinkedIn
  url: https://www.linkedin.com/company/lead-bank
- type: LlmsText
  url: https://docs.lead.bank/llms.txt
integrations:
- name: NACHA (ACH)
- name: FedNow
- name: The Clearing House (RTP)
- name: Fedwire
- name: SWIFT
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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