Unit doubles annual transaction volume to $100B

Build financial products on real infrastructure

Store, move, spend, and lend money inside your product.

Chat with an expert

Trusted at Scale

$100B+

annual transaction volume

5M+

accounts

11M+

API calls / day

99.999%

uptime

Direct, bare-metal access to the Federal Reserve, the card networks, and bank partners.

SOC 2 Type 2

PCI DSS

A complete set of building blocks for any financial product

Hold money

Give your customers accounts or balances.

Deposit Accounts

Wallets (FBO)

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{
  "data": {
    "type": "depositAccount",
    "id": "42",
    "attributes": {
      "createdAt": "2000-05-11T10:19:30.409Z",
      "name": "Peter Parker",
      "status": "Open",
      "depositProduct": "checking",
      "routingNumber": "812345678",
      "accountNumber": "1000000002",
      "currency": "USD",
      "balance": 10000,
      "hold": 0,
      "available": 10000,
      "tags": {

Move money

Send and receive funds, programmatically.

Cross Border Payments

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{
  "data": {
    "type": "achPayment",
    "id": "50",
    "attributes": {
      "createdAt": "2020-01-13T16:01:19.346Z",
      "status": "Pending",
      "reason":null,
      "counterparty": {
        "routingNumber": "812345678",
        "accountNumber": "12345569",
        "accountType": "Checking",
        "name": "Jane Doe",

Spend money

Issue cards under your brand, with controls, limits, and transaction data you own.

Debit Cards

Charge Cards

Revolving Credit Cards

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{
  "data": {
    "type": "businessCreditCard",
    "id": "10",
    "attributes": {
      "createdAt": "2023-12-19T11:59:25.574Z",
      "shippingAddress": {
        "street": "5230 Newell Rd",
        "city": "Palo Alto",
        "state": "CA",
        "postalCode": "94303",
        "country": "US"
      },

Lend money

Extend credit and advances to the customers you already know.

Credit Accounts

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{
  "data": {
    "type": "creditAccount",
    "id": "42",
    "attributes": {
      "createdAt": "2000-05-11T10:19:30.409Z",
      "name": "Peter Parker",
      "status": "Open",
      "creditTerms": "credit_terms_1",
      "currency": "USD",
      "balance": 10000,
      "hold": 0,
      "available": 10000,

What teams build on Unit

Highbeam uses Unit to deliver AI-powered banking, bill pay, and charge cards to consumer brands.

Deposit Accounts

Wallets (FBO)

Credit Accounts

Debit Cards

Charge Cards

Checks

ACH

Wires

“Unit's platform made it possible for us to deliver real-time financial visibility and capital, without losing focus on the product.”

Samir Shergill

Co-Founder & CEO, Highbeam

Benepass uses Unit to sub-ledger benefit funds across employers and employees, issuing employee cards with real-time spend authorization

Wallets (FBO)

Debit Cards

“Unit was able to streamline compliance and allow us to focus on building a great benefits experience for our end users. Unit has been a true partner from day one and continues to innovate with us as we expand our product suite.”

Jaclyn Chen

CEO & Co-Founder, Benepass

Relay powers bank accounts, bill pay, receivables, and expense cards for 110,000+ small businesses.

Deposit Accounts

Credit Accounts

Debit Cards

Charge Cards

Checks

ACH

Wires

“Relay started building on Unit when we were still an early-stage company, and we've been able to scale on the same platform as the business grew past $1B in deposits.”