# Lead Bank

> What’s possible in banking.

Lead Bank offers FDIC-insured banking services and a Banking-as-a-Service platform for fintech companies and digital asset businesses.

Lead Bank operates a state-chartered commercial bank providing business banking, personal banking, and Banking-as-a-Service infrastructure. The platform enables fintech partners to offer lending, card programs, deposit accounts, and payment services through API-first integration. Lead Bank supports stablecoin settlement and serves digital asset companies with compliance-first banking solutions.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 1928-01-01
- Profile: https://thegrid.id/profiles/lead_bank

## Products

- [Lead Bank Business Banking](https://thegrid.id/profiles/lead_bank): Lead Bank Business Banking provides business checking, savings, and investment account services combined with commercial lending and credit facilities for businesses. The offering includes treasury management capabilities, deposit accounts with FDIC insurance, and loan products structured for business operations. Account holders access digital banking interfaces for transaction management and financial operations. (Bank, Live)
- [Lead Bank Personal Banking](https://thegrid.id/profiles/lead_bank): Lead Bank Personal Banking provides personal checking, savings, and investment savings accounts with lending solutions for individual consumers. The service provides FDIC-insured deposit accounts accessible through digital banking channels, combined with personal loan products and financial management tools. (Bank, Live)
- [Lead Bank Partner Platform](https://thegrid.id/profiles/lead_bank): Lead Bank Partner Platform is a composable Banking-as-a-Service infrastructure enabling fintechs to embed FDIC-insured banking capabilities via API, covering lending (term loans, lines of credit, BNPL), card issuing, global money movement (ACH, wires, instant, stablecoin), and depository account structures. (Financial Services Platform, Live)

## Links

- [Main](https://www.lead.bank)
- [Terms of Service](https://www.lead.bank/terms-of-use)
- [Privacy policy](https://www.lead.bank/privacy-and-terms)
- [Blog](https://www.lead.bank/blog)
- [Documentation](https://docs.lead.bank)
- [Twitter / X](https://x.com/Lead_Bank)
- [LinkedIn](https://linkedin.com/company/lead-bank)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP