Lead Bank

Lead Bank is an FDIC-insured, state-chartered bank headquartered in Kansas City, Missouri, founded in 1928. It combines a nearly century-long banking history with a fintech business built around an API-driven platform. Its Banking-as-a-Service offering allows fintechs and crypto companies to embed financial services directly into their own products.

The company's work spans several technical domains, including embedded finance, programmable financial services, payments and money movement, card issuing and lending technology. Products include programmable lending origination and disbursements, global money-movement capabilities, card issuing for fintech partners and FDIC-insured deposit accounts. Alongside its partner platform, Lead Bank provides business banking for companies and builders and personal banking for consumers.

In 2022 the bank was acquired by a group of former Block Inc. (Squares) fintech executives, who describe building "the bank they wanted to see in the world" and design the business for founders by founders. The stated approach pairs regulatory expertise with modern technology, supporting partners with "compliance and creativity".

Lead Bank has been recognised by Newsweek as a Most Loved Workplace, by Forbes as one of America's Best Startup Employers and on the Forbes Fintech 50, and by CNBC on its Disruptors 50 list. The company operates from Kansas City, Missouri.