Affiniti was founded on a specific thesis: a pharmacy's P&L looks nothing like an HVAC shop's or a podiatry clinic's, and their financial infrastructure shouldn't either. Rather than offering a single-point solution or a generic SMB product, Affiniti built a full-stack financial operating system tailored to each vertical's actual cash flow mechanics, bringing together banking*, bill pay, cards, expense management, and AI-powered automation into one system.

The goal: help SMB financial operations run themselves, so owners can spend more time serving their community, with their family, and chasing the American dream.

Building on Unit's account and money movement infrastructure

Unit provides the underlying infrastructure that enables platforms like Affiniti to offer accounts, move money, and embed financial workflows into their products. Affiniti's platform runs on a shared ledger and money movement infrastructure. What distinguishes their implementation is how they've configured those building blocks for businesses that manage money across multiple locations, hundreds of vendors, and industry-specific accounting systems. 

The underlying infrastructure treats accounts and money movement as primitives on a shared ledger infrastructure. Affiniti designed their account hierarchy once and extended it to every new vertical without rebuilding. For technical teams evaluating the architecture underneath, Unit's infrastructure guide covers the specifics: native ledger, direct Fed connectivity, multiple account primitives.

Consider one Affiniti customer: an independent pharmacy chain with more than 20 locations. Before Affiniti, each location held accounts at different community banks. The owner's financial week was a manual loop: log into 20 separate portals, check balances, transfer money up to a parent account, buy supplies, and redistribute funds back down. Every transfer costs an ACH fee. Every step required the owner's direct involvement. 

Affiniti replaced that entire workflow. Every Friday, each location's account is swept down to a target balance, and the remainder is moved to the parent. Every Monday, recurring AP transactions pay suppliers automatically. The automation starts in the customer's email inbox. An agent scans incoming invoices and extracts line items, invoice numbers, and due dates automatically. Those records are matched against vendor data, categorized, and pushed into QuickBooks.

Affiniti is building further automation on top of this foundation. The next release adds predictive general ledger (GL) coding: the system analyzes past transaction patterns to assign the correct GL code to each line item automatically, removing the last manual step in AP processing. Affiniti also syncs it back to QuickBooks, or the business’s chosen ERP software. The goal is the same one that drives every feature on the platform: the financial operations should run themselves.

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A partner that goes beyond technology

Running a financial program comes with regulatory responsibilities. For most platforms, that means buying 10+ separate tools, writing 10+ policies, and hiring out a dedicated department before you can go live - our platform collapses that. With Affiniti’s core team, they’ve been able to stand up the entire product. And as the program matures, they can take ownership of more elements like KYC/KYB, payment reviews, and dispute handling on their own schedule. 

And not every infrastructure provider assigns experienced people to growth-stage accounts. Unit did. Mike Pigott, who led this product launch at Affiniti, puts it through the lens of his solutions engineer, Brian Kim: "I say 'get to this when you can' and an hour later it's done."

This is the type of financial workflow modern platforms can build on top of Unit’s infrastructure. Ready to explore embedded finance for your platform? Talk to our team to see how Unit's infrastructure can power your financial products, or explore the documentation to see what full API access and customizable workflows look like under the hood.

*Affiniti Finance, Inc. is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC.