Unit | Why Unit

The all-in-one embedded finance platform

Unit takes on the toughest parts of building banking and lending so you can build and launch with ease.

Trusted by leading brands

Unit is a single API to build your entire financial suite

Unit is designed to simplify building banking and lending into your product. Create innovative solutions with everything you need available through one API.

Onboarding

Onboard users with a process that's optimized to be as instant and documentless as possible. Focus on your product, not compliant user onboarding.

Low friction onboarding for individuals, businesses, and sole proprietors
Optimized fraud prevention
White-labeled application form

curl -X POST 'https://api.s.unit.sh/applications' \
-H 'Content-Type: application/vnd.api+json' \
-H 'Authorization: Bearer ${TOKEN}' \
--data-raw '{
"data": {
"type": "businessApplication",
"attributes": {
"name": "Pied Piper",
"address": {
"street": "5230 Newell Rd",
"city": "Palo Alto",
"state": "CA",
"postalCode": "94303",
"country": "US"
},
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"stateOfIncorporation": "DE",
"ein": "123456789",
"entityType": "Corporation",
"ip": "127.0.0.1",
"website": "https://www.piedpiper.com",
"contact": {
"fullName": {
"first": "Richard",
"last": "Hendricks"
},
"email": "richard@piedpiper.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
}
},
"officer": {
"fullName": {
"first": "Richard",
"last": "Hendricks"
},
"dateOfBirth": "2001-08-10",
"title": "CEO",
"ssn": "721074426",
"email": "richard@piedpiper.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"address": {
"street": "5230 Newell Rd",
"city": "Palo Alto",
"state": "CA",
"postalCode": "94303",
"country": "US"
}
},
"beneficialOwners": [
{
"fullName": {
"first": "Richard",
"last": "Hendricks"
},
"dateOfBirth": "2001-08-10",
"ssn": "123456789",
"email": "richard@piedpiper.com",
"percentage": 75,
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"address": {
"street": "5230 Newell Rd",
"city": "Palo Alto",
"state": "CA",
"postalCode": "94303",
"country": "US"
}
}
],
"tags": {
"userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
},
"idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
}
}
}'

Documentation

Accounts

Instantly create and manage bank accounts your customers can use to deposit and move funds with.

Fully-managed compliance
FDIC-insured
Unlimited accounts per customer
Flexible terms

curl -X POST 'https://api.s.unit.sh/accounts' \
-H 'Content-Type: application/vnd.api+json' \
-H 'Authorization: Bearer ${TOKEN}' \
--data-raw '{
"data": {
"type": "depositAccount",
"attributes": {
"depositProduct": "checking",
"tags": {
"purpose": "checking"
},
"idempotencyKey":
"3a1a33be-4e12-4603-9ed0-820922389fb8" },
"relationships": {
"customer": {
"data": {
"type": "customer",
"id": "45555"
}
}
}
}
}'

Documentation

Cards

Deliver physical and virtual cards, with all the features customers have come to expect.

Debit cards
Charge cards
Custom branded cards
Flexible rewards
Programmatic authorization
Mobile wallets ready
Fee-free ATM access

curl -X POST 'https://api.s.unit.sh/cards' \
-H 'Content-Type: application/vnd.api+json' \
-H 'Authorization: Bearer ${TOKEN}' \
--data-raw '{
"data":{
"type":"businessVirtualChargeCard",
"attributes": {
"fullName": {
"first": "Richard",
"last": "Hendricks"
},
"ssn": "123456789",
"address": {
"street": "5230 Newell Rd",
"street2": null,
"city": "Palo Alto",
"state": "CA",
"postalCode": "94303",
"country": "US"
},
"dateOfBirth": "2001-08-10",
"email": "richard@piedpiper.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"idempotencyKey":
"3a1a33be-4e12-4603-9ed0-820922389fb8"
},
"relationships": {
"account": {
"data": {
"type": "creditAccount",
"id": "1"
}
}
}
}
}'

Documentation

Payments

Access a suite of payment tools that enables you to create the money movement your customers need.

ACH (including Same-Day ACH)
Wires
Checks
ATMs
Card Transfers
International Payments

curl -X POST 'https://api.s.unit.sh/payments' \
-H 'Content-Type: application/vnd.api+json' \
-H 'Authorization: Bearer ${TOKEN}' \
--data-raw '{
"data": {
"type": "achPayment",
"attributes": {
"amount": 10000,
"direction": "Credit",
"counterparty": {
"routingNumber": "812345678",
"accountNumber": "12345569",
"accountType": "Checking",
"name": "Jane Doe"
},
"description": "Funding"
},
"relationships": {
"account": {
"data": {
"type": "depositAccount",
"id": "555"
}
}
}
}
}'

Documentation

Lending

Create innovative lending solutions that instantly deliver capital to your customers.

Charge and credit-building cards
Factoring and supply chain financing
Instant payments
Merchant cash advances
Automatic repayment
Programmable decisioning

curl -X POST 'https://api.s.unit.sh/payments'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
"data": {
"type": "bookPayment",
"attributes": {
"amount": 10000,
"description": "Loan number 168445376841"
},
"relationships": {
"account": {
"data": {
"type": "lendingReserveAccount",
"id": "555"
}
},
"counterpartyAccount": {
"data": {
"type": "depositAccount",
"id": "99821"
}
}
}
}
}'

Documentation

A platform and partnership designed for your success

Unit is more than a platform, we are a partner from pre-launch to launch and beyond. Our technology, people, and partnerships enable you to build at speed and scale more efficiently over time.

Build and launch in weeks

Unit’s suite of APIs, SDKs, white-labeled UIs, guides, and developer tools will make it easy to go from zero to launch in weeks.

Unit's quick banking as a service integration

Design better user experiences

Our banking ledger is built from the ground up and allows for greater flexibility. Respond to transactions in real-time, take actions programmatically, and set flexible terms for different users.

Manage and gather insights on our Dashboard

The Unit Dashboard offers a simple interface for you to monitor and manage your revenue. Gather real-time insights on your users and more.

Seamless integrations

Unit’s built-in integrations vastly expand your capabilities and access opportunities.

Learn more

Enterprise level support to help you succeed

Your dedicated success manager along with our best-in-class compliance and engineering teams are with you at every step. You'll get dedicated onboarding, one-on-one support, and expert advice to help you launch and scale easily.

Example of Unit's white glove onboarding process

Built on multiple banks

Unit has multiple bank partners to provide the fastest time-to-market, with the most complete set of banking features, and the most reliable infrastructure.

We work closely with all bank partners to ensure compliance, oversight, and security.

Learn more

“Unit has been a game changer. Nobody else was able to build what we needed to enable fast payments for the workers on our platform."

Noah Labhart

,

CTO of Veryable

How Unit helps AngelList become their customers’ financial mission control

"Unit has the most complete solution on the market. They offer access to the features our customers expect."
- Yoseph West, Co-Founder and CEO

Read the success story

Unit AngelList banking as a service integration

How Unit helped Invoice2go launch banking products that drive engagement and retention

"When companies come to us, their finances are generally spread out across a handful of tools: bank accounts, spreadsheets, accountants, and different software. Our goal is to give them a single place where they can see all of their money, figure out what they need to do next, and execute on it.”
- Mark Lenhard, CEO of Invoice2go

Read the success story

Unit helps Veryable pay contract laborers within 24 hours of completing a work opportunity

“Unit has been a game changer. Nobody else was able to build what we needed.”
- Noah Labhart, CTO of Veryable

Read the success story

How Unit Helped Bridge Quickly Onboard Tens of Thousands of New Members

“Unit offers the most complete set of embedded financial products. Integrating was straightforward, and we got to market significantly faster than we could have on our own.”
- Heath Silverman, VP Product, Retail at Roofstock

Read the success story

How Unit Helped Wethos Empower Freelancers to Grow their Business

“Unit was the only platform that could deliver all of the products we needed. In many cases, they’ve updated their roadmap to include features we requested.”
- Greg Ott, CEO of Nav