Lead

Member FDIC

[Lead @Lead_Bank]

“Most people talk about innovation. Very few actually build the rails that power it.”

On the latest @sourceryy with @MollySOShea, our CEO and Co-Founder @jackiereses talked about:

--> building Lead into the infrastructure layer behind modern fintech
--> crypto beyond the hype cycle
--> what she learned from Jack Dorsey, Alibaba, and Silicon Valley’s biggest operators
-->why execution beats charisma every time

Lots of stories and hard-earned perspective. Huge thanks to Molly for the conversation.

https://t.co/EDDsUhLTJk

[Lead @Lead_Bank]

Traveling to a new city usually requires a few different transportation methods: a car to the airport, a flight, a train to your hotel. Each switch costs you a wait, a ticket, or a scramble to figure out the next one.

Money moves the same way, hopping across rails that don't connect. Every switch adds friction.

But where there is friction, there is room to make things more efficient.

The next post in our stablecoin series zooms out to explain how money moves today, both at home and across borders, and why the network a payment rides on matters so much.👇

https://t.co/ZlNj0r5B9m

[Lead @Lead_Bank]

Thrilled to be working with @fold_app

“Fold has been a pioneer in making bitcoin accessible and useful in day-to-day financial services. Lead's embedded banking infrastructure, combined with the digital asset expertise of our teams, makes for a strong partnership that supports Fold's impressive pace of innovation,” shared Jake Mendel, Head of Strategic Partnerships, Lead.

[FOLD BITCOIN @fold_app]

We've partnered with @Lead_Bank as our new banking partner!

FDIC-insured, built for scale — supporting the next phase of Fold's account features, including faster transfers, direct deposit, and more ways to earn bitcoin.

More to come later this year. Read the full press release 👇

https://t.co/TQ9u52lChi

[Lead @Lead_Bank]

Lead is thrilled to be the infrastructure layer powering the @lithic and @lightspark new card program. Settled in USDC, this new partnership is part of a broader industry shift toward using stablecoins and blockchain-based infrastructure for real-world settlement.

Read more: https://t.co/tZ3C3U0HjS

[Lead @Lead_Bank]

If you're heading to @fintechdevcon next week, join us for a conversation on how stablecoins are rewiring the future of card payments. 💳

Tuesday, August 4th
1:00pm
Tower D

Hope to see you there!

https://t.co/gOkG4nSpJ7

[Lead @Lead_Bank]

Catch @jackiereses and our team at Machine Earning this September with @EricNewcomer !

The definitive, invite-only gathering for fintech leaders. This year's conversation will be all about AI commerce and finance. We're ready for it.

Learn more and apply to attend here: https://t.co/DH6uu7kjYW

[Lead @Lead_Bank]

The Lead origin story never gets old - and we're proud to be one of the first banks in the U.S. do offer onchain products.

In her own words, @jackiereses, Co-Founder and CEO: "On ramps and off ramps are such a critical piece of a crypto transaction... I want to see the rails of the financial system totally different than what they are today. Interoperable. Programmable. There are so many use cases being created across the entire crypto industry."

Hear more ⬇️

[Solana @solana]

Solana Stories: We Bought A Bank

@jackiereses @Lead_Bank

[Lead @Lead_Bank]

Lead is proud to support @openstandard on the launch of Open USD!

[Open Standard @openstandard]

Introducing Open USD: a stablecoin built for the internet economy, designed by the businesses growing it.

https://t.co/jqgDRs6mKf

[Lead @Lead_Bank]

Friday night purchase. Monday morning settlement. That gap isn't a bug — it's the financial system working exactly as designed. Fedwire, the rail that powers card settlement, runs on business hours. Always has.

In her second post, @EleniThinks breaks down why the weekend problem exists, what it actually costs, and why stablecoins are uniquely positioned to fix it — not just for crypto programs, but for every card program on the platform.

👉 https://t.co/skVF88vFyV

[Lead @Lead_Bank]

We have officially joined the @FintechPolicyUS to help advance responsible financial infrastructure.

“At Lead, our mission is to define what is possible in banking by resolving friction behind the scenes, so that our partners can focus on creating meaningful experiences for their customers. Joining the American Fintech Council reinforces our dedication to combining compliance at the core with flexible financial technology.” - @erica_khalili, Co-Founder and Chief Legal and Risk Officer.

[Lead @Lead_Bank]

24/7 money movement is the future. Thrilled to partner with @Mastercard.

@jackiereses adds: “Partnering with Mastercard to help bring this network to life reflects Lead’s commitment to building the rails that make regulated digital assets practical for institutions and their customers at scale. At Lead, we believe the future of financial infrastructure is 24/7, and on-chain settlement is where that future becomes real. We’re proud to be among the first platforms to deliver this capability in the United States and see this as a foundational step toward a more efficient, always-on financial system.”

[Lead @Lead_Bank]

When we acquired @loopcrypto_xyz last year, we said stablecoins and banking were converging on something that looks a lot like payments infrastructure.

Now we're writing about it. Read more about how money moves — the rails, the gaps, and what stablecoins are doing to fill them.

Check it out👉 https://t.co/NOej9PWQxv

[Molly O’Shea @MollySOShea]

BREAKING: Inside Lead Bank - $56M Investment Now Worth $1.5 BILLION

Jackie Reses is on an iconic run.

@Lead_Bank is the $1.5B tech-first bank powering Stripe, Walmart, Ramp, Affirm & Revolut

Backed by Andreessen Horowitz, Coatue, Greycroft, ICONIQ, Khosla Ventures, Ribbit Capital, Zeev Partners, plus Larry Fink, Rob Goldstein & Larry Summers personally.

CEO & Co-Founder Jackie Reses (@jackiereses)

We cover:
- Sitting on Alibaba's board with Jack Ma, Joe Tsai + Masayoshi Son
"Masa would come in & be like, 'Yes, it shall be blessed.'"
- Taking an HR role at Yahoo, then turning it into Chief Development Officer
- Jack Dorsey: "He'll sit in meetings & not say a word. There's real wisdom in his ability to 'just zip it.' "
- Why she's skeptical of the de-banking narrative
- Building Lead to $280M in revenue with no sales team

𝐓𝐈𝐌𝐄𝐒𝐓𝐀𝐌𝐏𝐒
(00:00) Jackie Reses, CEO of Lead Bank
(01:06) The swiss army knife of Silicon Valley
(02:46) Inside the Alibaba boardroom with Jack Ma and Masa
(05:23) Being one of the only Americans on Alibaba’s board
(10:29) What Jack Ma and Masayoshi Son are really like
(12:32) The biggest lessons Jackie learned from Alibaba
(15:12) From Goldman Sachs to Silicon Valley
(17:44) Why Yahoo hired a PE investor to run HR
(22:53) Yahoo was a hot mess
(25:33) The deal that recovered billions for Yahoo
(26:31) How Jack Dorsey recruited Jackie to Square
(29:53) Three engineers, three days, one crypto platform
(33:51) What Jack Dorsey is really like
(36:13) Being Jack Dorsey’s HR lead during Twitter chaos
(40:03) How to spot real innovation vs hype
(42:21) Why debanking is a myth
(48:10) Why buy a 100 year old bank
(51:23) Growing a bank with no sales team
(54:11) The APIs powering the future of finance
(56:03) How AI is transforming banking
(57:07) The JD Vance connection
(58:39) What it feels like inside the White House
(01:02:53) The biggest misconception about government
(01:04:21) Why Lead Bank’s culture feels different
(01:05:35) The next chapter for Lead Bank

[Gokul Rajaram @gokulr]

Congrats to @Lead_Bank for making the CNBC Disruptor List 2026. Well deserved @jackiereses and team, as you are building the foundation for fintech innovation. Let’s go!

[Lead @Lead_Bank]

We're proud to share that Lead has been named #34 on the 2026 @CNBC Disruptor 50, our third consecutive year on the list.

To our team: this recognition belongs to you. Thank you for the work you do every day.

We're just getting started.

https://t.co/FXmJoP0DRq

[Solana Payments @solanapayments]

Lead Bank's @jackiereses offers the idea that stablecoin companies can work with banking partners to use the benefits of both industries:

[Solana @solana]

"Stablecoin companies can work with banking partners to create yield products. That works. The rewards element works quite well too." - @jackiereses, Lead Bank

[Capital Markets @capitalmarkets]

A clear signal from Jacqueline Reses, Lead Bank:

Stablecoins can integrate with banks for yield-like products, while using onchain rails for rewards + distribution.

Lead is among the first US banks enabling USDC settlement with Visa on Solana.

[Ravi Riley @ravi_riley]

insane that a farmers bank powers ramp, affirm, revolut, and bridge

> Garden City Bank
> founded in 1928 to bank farmers
> quiet business for 100 years
> enter disgruntled @Square execs
> what are they scheming???
> bought out for $56 million
> renamed to @Lead_Bank
> time to engineermaxx
> api integrations
> algorithmic compliance flagging
> verticalization of services
> everything in real time
> fintechs can finally scale
> square, ramp, affirm, revolut, bridge become customers
> raise from a16z & khosla
> valuation skyrockets from 56m to 1.47b
> 180m revenue in 2024
> mfw a farmer bank is powering silicon valley

seeing a pattern: the biggest fintechs are started by someone addressing their own pain