Enterprise-grade financial infrastructure

Issue cards, open accounts, move money, extend credit. Everything you need to make money a native part of your product.

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Trusted at Scale

$80B+

annual volume

5M+

accounts

15M+

API calls / day

99.999%

uptime

SOC 1

SOC 2 Type 2

PCI DSS

ISO 27001

Building blocks

Architecture

Operations

Building blocks

Every financial primitive on one ledger

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Accounts and wallets

Deposit accounts with real routing and account numbers, or wallet accounts held in an FBO structure on Unit's native ledger. Build per-user accounts, sub-accounts by property or project, or multi-party fund flows.

Capital

Credit primitives for the full range of lending programs: charge cards and revolving credit cards, lines of credit, merchant cash advances, invoice factoring and instant payouts.

Cards

Direct integration with Visa and Mastercard to issue prepaid, debit or credit cards. Write your own authorization logic: approve, decline, or modify transactions in real time.

Money movement

ACH, wires, RTP, checks, international payments. Track every transaction on Unit’s native ledger with settlement-level visibility.

Architecture

Close to the metal

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Native ledger

Real-time balances. Continuous reconciliation. State transitions timestamped to actual network events.

Direct Federal Reserve connectivity

Unit is a registered Fed service provider. Payments submit directly to Fedwire, FedACH, and check infrastructure.

Form direct relationships with multiple banks

Single-bank dependency is the dominant structural risk in embedded finance. Platforms on Unit establish direct relationships with their bank partners, and the same API works consistently across all of them.

Network-level data

IMAD/OMAD on wires. Return codes on ACH (R01, R02). Full Visa/Mastercard auth data on cards. On every response and webhook.

Direct card-network integration

Get unparalleled visibility and control with direct access to Visa and Mastercard. Control payment flows with real-time programmatic authorization.

Operations

Your program, your control surface

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Program management

Unit can give you capabilities to manage onboarding, AML, disputes, reconciliation, statements, and bank reporting.

Full operational flexibility

Take any function in-house. Scaled fintechs run their own onboarding reviews and transaction monitoring, including fraud decisioning, on Unit.

Operational dashboard

An interface to everything in the API, built for operators resolving exceptions without engineering tickets.

“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. Unit has provided the primitives, flexibility, and program visibility we need to build and expand core financial products across banking, payments, and cards for our customers. I've always appreciated Unit's willingness to collaborate closely with us on roadmap priorities and feature rollouts, which has helped Relay continue moving fast and delivering more sophisticated financial products at scale.”