Lead Bank
A Kansas City bank that sells accounts, payments, cards and loans to fintechs through its own REST APIs.
Lead Bank is an FDIC-insured bank in Kansas City, Missouri, that sponsors fintech programs and sells its services through REST APIs. It organizes them in four pillars — store, move, lend and issue — so a partner can hold deposits, send ACH, wires, instant payments over FedNow and RTP, originate term loans and lines of credit, and issue cards through the partner’s own issuing processor. The FDIC register lists it under certificate 8283. Lead does not publish pricing.
- Website
- lead.bank
- Infrastructure layers
- Banking-as-a-service, bank with own APIs, card issuing, lending
- Products (as published)
- Accounts (deposit accounts with subledger balances)
Money Movement (ACH, wires, instant payments over FedNow and RTP, internal transfers, blockchain payments)
Card Programs (debit, prepaid and credit on a dedicated BIN across Visa, Mastercard and American Express, with the client's issuer processor)
Credit and Lending (term loans and lines of credit, secured and unsecured)
Digital Assets (USD and stablecoin pay-ins and payouts, on and off ramps, stablecoin-backed cards)
Agentic Finance (scoped account numbers and cards attributed to agents) - Client types
- Fintechs and companies building financial products: neobanks, buy now pay later, credit builder, cross-border payments, embedded issuing, workforce and marketplace payouts
- Regions served
- United States
- Licences and registrations (official registers)
Licence or registration Register Number Lead Bank, state-chartered bank FDIC BankFind certificate 8283 primary federal regulator FDIC - API documentation
- docs.lead.bank
- Date checked
- Profile type
- Standard
Questions
Is Lead a bank or a middleware provider?
Who issues the cards in a Lead program?
Does Lead publish pricing?
See also
Sources
Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.