About Our Platform... for business leaders 💼

Fintech teams want speed, control, and trust. Legend Bank delivers all three with a bank‑owned, API‑driven platform that functions as the bank’s core for fintech programs. We provide real‑time data, centralized payments, segregated program environments, and direct contracting with the bank—no middleman. The result: lower risk, better economics, and faster go‑to‑market.

What Makes Legend Bank Different

• Bank‑Owned & Bank‑Controlled: Customer accounts are held on a bank‑controlled ledger with settlement to our FFIEC‑compliant core. There are no external ledgers to reconcile and no third‑party data transfers required for the bank to access customers, accounts, or transactions. That means less operational risk and clearer compliance.
• Direct Bank–Fintech Contracting: Work directly with Legend Bank—not through an intermediary. You get clear governance, shared visibility, and simpler economics from day one.
• No Middleman, Better Economics: Because there’s no platform middleman, Legend Bank and the fintech share economics directly, with flexibility on revenue, interest, and fee splits that align to your program strategy.
• Real‑Time Data Access: Access real‑time and intra‑day data for both end‑user accounts and fintech operating accounts. Build experiences that update instantly rather than waiting for batch files.

Built for Control, Scale, and Resiliency

• Fully Defined Funds Flow: From end‑user accounts to bank operating accounts, funds flow is documented and bank‑controlled. Automated settlement operations calculate partner revenue, interest, and fees and post them into segregated program operating accounts, so no money gets lost.
• Program‑Level Segregation: Every program is segmented—customers, accounts, operating accounts, APIs, data, and access—so each partner only sees their own environment.
• Configurable by Program: Products, features, rates, and fees can be configured for each program, enabling rapid, compliant iteration without re‑engineering your entire stack.
• Resiliency with Access to Funds: Built‑in deposit resiliency and a documented contingency plan enable the bank to provide customer access to funds in DR scenarios.
• Scale Across Multiple Banks: As you grow, you can disperse deposits across additional banks using the same platform capabilities to support business continuity and resiliency—without new integrations.

Centralized Payments—One Console, One Version of Truth

• Unified Payments Hub: A centralized payments platform supports ACH, wire, and debit card issuance/processing. View all payment activity across all programs in one place for security, reporting, and compliance.
• Two Ways to Move Money: Use rail‑specific APIs (ACH, wire, instant) or a Universal API with smart routing to simplify orchestration.
• Bank‑Defined Rules & Decisioning: Payments are bank‑controlled with bank‑defined rules and decisioning to help manage risk while preserving customer experience.

One Console for Bank & Fintech Teams

• Centralized Console Access: Both bank and fintech teams get role‑based access to a shared console—a single source of truth for customers, accounts, money movement, and servicing.
• Self‑Service Tools: Self‑service features streamline operations and reduce manual activity, spanning applications, account servicing, statements, transaction history, payments, operating accounts, case management, event logs, and webhooks.
• Integration Support: You also get an enterprise API portal, sandbox, Postman collections, and direct integration support calls when you need them.

Use Your Preferred Partners

Legend Bank’s platform supports existing fintech partners and integrations, including KYC/KYB/AML, account aggregation, remote deposit capture, card issuance/processing, tax/statement generation, and payment networks—so you can move fast with the vendors you already trust.

Examples include: Sardine, Yodlee, Mitek, Ensenta, HC3, Intuit (QuickBooks), VISA DPS, the ACH network, and Fedwire.

Why Fintech Leaders Choose Legend Bank

• Lower risk: Bank‑controlled ledger and clear funds flow
• Better economics: No middleman; flexible revenue/interest/fee splits
• Faster time‑to‑market: Real‑time data + sandbox + standard APIs
• Operational clarity: Automated settlement operations and a shared console
• Future‑proof scale: Multi‑bank deposit distribution using the same platform

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