# Lead Bank

**Canonical:** https://apis.io/providers/lead-bank/  
**Website:** https://lead.bank/  
**APIs profiled:** 22

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.

## Kin Score — 35.1 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 35.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 56.8 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 38.8 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (22)

- **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.

## Agentic access (1)

- **Lead Bank Agentic Access** — 83 operations · 58 acting

## Security (2)

- **Lead Bank Authentication** — http · 1 scheme
- **Lead Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Lead Bank Plans Pricing**

## Tags

Banking, Sponsor Bank, Embedded Finance, Banking as a Service, Payments, Lending, Cards, Deposits

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lead-bank/). Scores are computed from the provider's own public artifacts under a published rubric.