Roadmap

Lemma is always growing. This page lists notable features we don’t support yet but plan to support in the near future.

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Multiple cash sweeps on one account

Each account can have one active cash sweep rule today, sending either the balance above a target or a fixed amount to a single destination. We plan to support several sweeps on the same account, including splitting a balance by percentage so money is routed to different places in one run.

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ATM cash deposits

As a digital bank, Lemma mainly focuses on cash-less money movement. However, we recognize the need for cash deposits in healthcare. We’re working on coverage through a partner and will have something live by October.

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Zelle

We currently don’t support sending or receiving Zelle payments. For now, use ACH, wire, RTP, FedNow, or checks to move money externally. RTP is a good option for Zelle users since it supports instant transfers 24/7. With Lemma, RTP is free to use.

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Credit cards with cashback

Lemma issues debit cards today. Business credit cards with entity-level controls, cashback, and underwriting based on your Lemma deposit and revenue data are on the roadmap.

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Expanded lending

Fixed fee loans and revolving lines of credit are live today, backed by your AR and underwritten from reconciliation data. Planned expansion:

• Larger loan sizes, faster decisions, and broader eligibility
• Acquisition loans
• Equipment financing and term loans

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Personal banking for owners

Lemma accounts today are for business entities. We currently offer personal accounts for licensed professional owners under the same login on a case by case basis, so business and personal balances live in one view. Please get in touch with us at contact@getlemma.com if you are a current business banking client who is interested in personal banking.

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International wires

We don’t support outbound international wires. For payments to offshore billing or admin teams, use a third-party provider like Wise or Airwallex. A native path with predictable USD wire and FX pricing is on the roadmap.

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Higher yield on idle cash

We pay yield on operating balances today through deposit bonuses at the rates shown on our pricing page. A higher-yield tier for larger idle balances, with automated sweeps on the same threshold rules used in cash sweeps, is on the roadmap.

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Invoicing entities outside of Lemma

Invoicing only supports billing another entity that’s already on Lemma. You can’t yet send an invoice to get paid by ACH from an entity outside the platform. We plan to support this so you can invoice any entity, not just other Lemma entities.