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 32 API contracts indexed on the APIs.io network, including Account Number API, ACH API, Blockchain Payment API, and 29 more. Tagged areas include Banking, Sponsor Bank, Embedded Finance, Banking as a Service, and Payments.

The Lead Bank catalog on APIs.io includes 1 Spectral governance ruleset.

Lead Bank’s developer surface includes engineering blog, authentication, documentation, changelog, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

28.1/100 thin ▬ flat Agent 41/100 agent native Front door AI 3/6 light Heartbeat 86/100 alive Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFreeSelf serve⚡ Free to try

1 published contract 1 MCP Servers

BankingSponsor BankEmbedded Finance Banking as a Service Payments Lending Cards Deposits

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

ACHBlockchain PaymentInstant PaymentsOriginatorWire

POST /v0/originators POST /v1/wires POST /v1/wires/{wire_id}/return POST /v1/ach

Credit & Lending Management

BC-1320

Lending

POST /v0/lending/disbursements

Banking Customer Management

BC-1300

Entity

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 28.1/100 · thin

Contract Quality 10.2 / 19

Developer Ergonomics 3.6 / 15

Access Clarity 0.6 / 15

Operational Transparency 1.9 / 10

Contract Governance 1.2 / 9

Discoverability 5.6 / 8

Regulatory Posture 0.8 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks Ask about this →
Agent Skills +5 pts — skills artifact present, graded by who authored it Ask about this →
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified) Ask about this →

4 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 4.3 — up to +19.1 composite points Ask about this →
Developer Ergonomics scores 23.8 — up to +15.2 composite points Ask about this →
Contract Quality scores 54.6 — up to +11.4 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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 the provider profile at artifacts.apis.io/lead-bank/apis.yml: open an issue on github.com/api-evangelist/lead-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	19.2 (thin)	-	-
US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (platform)

OpenAPI

measured — observed by APIs.io (published)

APIs 32

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 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.

Lead Bank O Auth API

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

Lead Bank Application API

The Application API from Lead Bank — 3 operation(s) for application.

Lead Bank Core Account API

The Core Account API from Lead Bank — 2 operation(s) for core account.

Lead Bank Core Balance API

The Core Balance API from Lead Bank — 2 operation(s) for core balance.

Lead Bank Core Transaction API

The Core Transaction API from Lead Bank — 2 operation(s) for core transaction.

Lead Bank Files API

The Files API from Lead Bank — 2 operation(s) for files.

Lead Bank Receivable API

The Receivable API from Lead Bank — 2 operation(s) for receivable.

Lead Bank Receivable Sale API

The Receivable Sale API from Lead Bank — 2 operation(s) for receivable sale.

Lead Bank User Account API

The User Account API from Lead Bank — 8 operation(s) for user account.

Lead Bank User Credit Balance API

The User Credit Balance API from Lead Bank — 6 operation(s) for user credit balance.

Lead Bank User Credit Transaction API

The User Credit Transaction API from Lead Bank — 3 operation(s) for user credit transaction.

Scroll for all 32

Open Collections 17

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

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 17

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Lead Bank MCP Server

Remote MCP server at docs.lead.bank over HTTP; 3 tools listed.

MCP SERVER

Lead Bank API pricing

Not yet checked against Lead Bank's own pricing page. Compiled by API Evangelist on 2026-05-22; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Free freemium	Free

Plan details, limits and sources →

Rate limits

Free Tier Default: 10 requests per minute
Pro Tier Default: 120 requests per minute

Compiled by API Evangelist, not yet checked against Lead Bank's documentation. Rate-limit details →

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

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Lead Bank API Rules

57 rules · 39 error-severity 17 warn-severity 1 info-severity

SPECTRAL

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 (API Evangelist recommendations) 1

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

Lead Bank Agentic Access

157 operations · 104 acting · 1 human-in-the-loop

157 operations · 104 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 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

ChangeLog

ChangeLog

ContactSales

ContactSales

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Blog

Blog

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
  gated: none
  gated_source:
  - onboarding
  label: Free · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lead-bank.png
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
x-docs-hosting: vercel
tags:
- Banking
- Sponsor Bank
- Embedded Finance
- Banking as a Service
- Payments
- Lending
- Cards
- Deposits
created: '2026-05-23'
modified: '2026-10-06'
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-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
- aid: lead-bank:lead-bank-oauth-api
  name: Lead Bank O Auth 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:
  - OAuth
  - Authentication
  tags_raw:
  - OAuth
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-oauth-api-openapi.yml
- aid: lead-bank:lead-bank-application-api
  name: Lead Bank Application API
  description: The Application API from Lead Bank — 3 operation(s) for application.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Application
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-application-api-openapi.yml
- aid: lead-bank:lead-bank-core-account-api
  name: Lead Bank Core Account API
  description: The Core Account API from Lead Bank — 2 operation(s) for core account.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Core Account
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-core-account-api-openapi.yml
- aid: lead-bank:lead-bank-core-balance-api
  name: Lead Bank Core Balance API
  description: The Core Balance API from Lead Bank — 2 operation(s) for core balance.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Core Balance
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-core-balance-api-openapi.yml
- aid: lead-bank:lead-bank-core-transaction-api
  name: Lead Bank Core Transaction API
  description: The Core Transaction API from Lead Bank — 2 operation(s) for core transaction.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Core Transaction
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-core-transaction-api-openapi.yml
- aid: lead-bank:lead-bank-files-api
  name: Lead Bank Files API
  description: The Files API from Lead Bank — 2 operation(s) for files.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - File
  tags_raw:
  - Files
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-files-api-openapi.yml
- aid: lead-bank:lead-bank-receivable-api
  name: Lead Bank Receivable API
  description: The Receivable API from Lead Bank — 2 operation(s) for receivable.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Receivable
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-receivable-api-openapi.yml
- aid: lead-bank:lead-bank-receivable-sale-api
  name: Lead Bank Receivable Sale API
  description: The Receivable Sale API from Lead Bank — 2 operation(s) for receivable sale.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - Receivable Sale
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-receivable-sale-api-openapi.yml
- aid: lead-bank:lead-bank-user-account-api
  name: Lead Bank User Account API
  description: The User Account API from Lead Bank — 8 operation(s) for user account.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - User Account
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-user-account-api-openapi.yml
- aid: lead-bank:lead-bank-user-credit-balance-api
  name: Lead Bank User Credit Balance API
  description: The User Credit Balance API from Lead Bank — 6 operation(s) for user credit balance.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - User Credit Balance
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-user-credit-balance-api-openapi.yml
- aid: lead-bank:lead-bank-user-credit-transaction-api
  name: Lead Bank User Credit Transaction API
  description: The User Credit Transaction API from Lead Bank — 3 operation(s) for user credit transaction.
  humanURL: https://docs.lead.bank/api-integrations/overview
  baseURL: gated-partner-access
  tags:
  - User Credit Transaction
  properties:
  - type: OpenAPI
    url: openapi/lead-bank-user-credit-transaction-api-openapi.yml
common:
- type: Plans
  url: plans/lead-bank-plans-pricing.yml
- type: RateLimits
  url: rate-limits/lead-bank-rate-limits.yml
- type: FinOps
  url: finops/lead-bank-finops.yml
- url: https://www.lead.bank/blog
  type: Blog
- 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

Lead Bank API — frequently asked questions

Does Lead Bank have an API?

Yes. APIs.io lists 32 APIs from Lead Bank, including Lead Bank Lend API, Lead Bank Move API and Lead Bank Issue API, and 29 more.

Is there an OpenAPI specification for the Lead Bank API?

Yes. APIs.io indexes 26 OpenAPI specifications for Lead Bank, each linked for download from this page.

How do I authenticate with the Lead Bank API?

Lead Bank uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Lead Bank Authentication.

How much does the Lead Bank API cost?

APIs.io lists 1 pricing plan for Lead Bank, with each plan's price, limits and inclusions under Pricing on this page.

Does Lead Bank have an MCP server?

Yes. APIs.io lists 1 MCP server for Lead Bank: Remote MCP server at docs.lead.bank over HTTP; 3 tools listed.

Is the Lead Bank API ready for AI agents?

Lead Bank has a Kin Score of 28.1 out of 100 (thin) and an Agent Readiness score of 41.3 (agent-native), scored by API Evangelist on 2026-11-13.

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