slug: lead-bank
provider: Lead Bank
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 7
edges:
- tag: Instant Payments
  spec_file: lead-bank-instant-payments-api-openapi.yml
  capability_id: BC-1340.50
  capability_id_l1: BC-1340
  capability_name: Real-Time Payment Management
  confidence: 0.85
  evidence: '''Create an instant payment'', ''Check instant payment availability''; schemas InstantPaymentStatus,
    InstantPaymentReturnRequest'
  reason: Origination, return handling and reachability checking on an instant/real-time payment rail
    — real-time payment management.
- tag: Originator
  spec_file: lead-bank-originator-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.8
  evidence: POST /v0/originators "Create an Originator"; schemas AchOriginatorParameters, AchOriginatorLimits,
    OutgoingSecCode, AchCalendarDayMaximumAmount
  reason: The operations manage ACH originator entities with SEC codes and daily/rolling ACH origination
    limits — configuration of the bank's ACH payment origination capability, so Payments & Card Management
    at L1. Ambiguous between payment initiation setup and processing/clearing sub-capabilities, so no
    L2 asserted.
- tag: Lending
  spec_file: lead-bank-lending-api-openapi.yml
  capability_id: BC-1320
  capability_id_l1: BC-1320
  capability_name: Credit & Lending Management
  confidence: 0.75
  evidence: POST /v0/lending/disbursements 'Create a Disbursement'; schemas ClientLoanID, DisbursementStatus,
    PaymentMethod
  reason: Disbursement of loan proceeds against a client loan id — credit & lending operations. Evidence
    does not clearly separate origination funding from loan servicing, so L2 withheld.
- tag: Wire
  spec_file: lead-bank-wire-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.75
  evidence: POST /v1/wires "Create a wire V1"; POST /v1/wires/{wire_id}/return; schemas WirePaymentIdentifiers,
    IMAD, WireInstructAgent
  reason: Operations capture, update, cancel and return wire payment instructions — payment initiation
    and instruction lifecycle. L1 Payments is unambiguous; initiation is the best-fitting L2 given create/cancel/return
    of instructions rather than clearing mechanics.
- tag: ACH
  spec_file: lead-bank-ach-api-openapi.yml
  capability_id: BC-1340.30
  capability_id_l1: BC-1340
  capability_name: Clearing & Settlement Management
  confidence: 0.72
  evidence: POST /v1/ach 'Create an ACH'; 'return-an-ach', 'reverse-an-ach'; schemas OutgoingReturnCode,
    TransactionCode
  reason: Operations originate, cancel, return and reverse ACH entries on a US domestic clearing rail;
    the candidate 'Clearing & Settlement Management' explicitly names ACH. Some ambiguity with payment
    initiation/processing sub-capabilities.
- tag: Blockchain Payment
  spec_file: lead-bank-blockchain-payment-api-openapi.yml
  capability_id: BC-1340.40
  capability_id_l1: BC-1340
  capability_name: Cross-Border Payment Management
  confidence: 0.7
  evidence: '''Create a Blockchain Payment''; schemas BlockchainPaymentCreditorSwift, BlockchainPaymentCreditorClabe,
    BlockchainPaymentCreditorPixBrCode, BlockchainPaymentSettlementCurrencyCode'
  reason: Stablecoin-funded payments settling out to foreign local rails (SWIFT, CLABE, Pix, BreB, FPS)
    with settlement currency — international/cross-border payment execution.
- tag: Entity
  spec_file: lead-bank-entity-api-openapi.yml
  capability_id: BC-1300.20
  capability_id_l1: BC-1300
  capability_name: KYC & Customer Due Diligence Management
  confidence: 0.7
  evidence: schemas KycDetails, OfacDetails, EntityRiskScoreEnum, IdentificationDetailsBusiness, TaxIdentificationTypeEnum;
    'Create an entity'
  reason: Entity records for individuals and businesses carrying KYC details, OFAC screening results and
    risk scoring — customer due diligence / identity data capture for banking customers.