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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Lead Bank the way a machine reads it — 29 machine-readable artifacts across 22 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Lead Bank scores 37.0/100 (thin), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Lead Bank
Each block below is one kind of artifact we hold for Lead Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 22
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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 within the panel for all 22 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Lead Bank
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Lead Bank Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Lead Bank Finops
FINOPSSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Lead Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Access & Security 2
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/lead-bank · machine-readable index on apis.io