This month, Unit crossed $100 billion in annual transaction volume. It took over five years to reach the $50 billion milestone, and just 12 months to grow from $50 to $100 billion.
This number belongs to our customers: it reflects the platforms that chose Unit, the companies that made money movement a core part of their product, and their end customers using those products every day. Here’s what’s driving this growth:
Our customers are growing
The companies building on Unit are growing, and as they grow, more of their business runs through the financial products they've built on Unit’s infrastructure.
Platforms like Relay, Highbeam, and Baselane started by embedding a single financial product and have since made it central to how their end users operate.
Their end users are more engaged
The second driver sits a layer down: the end users of these platforms are doing more inside these products than they used to. A new category of AI-first companies is accelerating that, using the financial layer to close the loop on agentic experiences.
Highbeam is a good example. Its Luma product does not just show direct-to-consumer brands their cash position. It forecasts cash, facilitates bill payments, and enables money transfers across operating accounts, savings, and credit facilities based on rules the operator sets. Sequence takes the same idea to consumer and small business workflows, enabling AI agents a way to initiate transfers between accounts, pods, and goals once the builder defines the rules.
Embedded finance compounds
Embedded finance tends to follow an exponential adoption curve. It's slow at the start, while a platform launches, while end users discover the financial product solutions in front of them, while habits form. Then it isn't slow. Adoption concentrates, volume builds on itself, and the financial product may become load-bearing inside the business, creating meaningful revenue opportunities for the platform.
Crossing $100 billion in annual transaction volume is a signal that the category has matured. More importantly, it demonstrates that embedded finance infrastructure can support companies from their first financial product to billions of dollars in transaction volume. Today, Unit supports more than 15 million API calls each day and processes more than 6 million transactions each month. We're proud to provide the infrastructure for many of the platforms shaping the next generation of financial services, and excited to help the next wave of companies build and scale.
Teams evaluating how to build from first launch to scale can read more about program management, explore our implementation paths, and deep dive into our platform. If you're thinking about building financial products into your platform, we'd like to talk.
Relay, Highbeam, Baselane, and Sequence are financial technology companies and not a bank. Unit is a financial technology company and not a bank. Banking services are provided by Unit's bank partners, Members FDIC. Certain products and services are subject to eligibility, approval, applicable terms, and program availability.
