Earn top-of-wallet status with your users
Lead provides the FDIC-insured deposit accounts, end user account numbers, debit card issuing, and money movement required for neobanks to offer users top-of-wallet accounts, cards, and add-on products.
Challenge
You want your neobank to become the user’s primary financial home. That means providing them a place to hold funds, a card they can spend from, and simple ways to move money. Assembled from parts, that single product experience would require a deposit bank, a card issuer, a payments provider, and a lender, with each additional layer adding integrations, ledgers, reconciliation points, and regulatory requirements.
Solution
Lead brings that entire stack together under a single bank charter, partner relationship, and direct Fed connection. We enable your neobank to open FDIC-insured accounts with a dedicated account number per user, issue debit cards, and move money over ACH and other payment rails. With these core banking primitives, you can build a top-of-wallet financial product that users default to. And as your neobank expands, you can add secured cards and lending products without introducing another banking relationship.
