Applications
To enable testing this Applications API on Sandbox, please contact Unit.
Unit offers a short, low-friction, non-documentary application process - most applications will be approved in under five seconds. In some cases Unit detects an exception in the application process (e.g. a phone number mismatch), and certain documents are required in order to make a decision.
Unit will let you know exactly what documents to require from the customer, and once they are provided (via an API call), the application will either be approved automatically or manually reviewed by us (under an SLA of two business hours).
For more information on applications including specific details about application statuses and flow, see our End-Customer Applications Guide
Create Individual Application
Create an application for an individual end-customer.
The SSN (or passport number, for non US citizens) is used as the unique identifier for an individual on Unit. The same identifier cannot be used to submit multiple applications. If an application for a certain individual has been denied, canceled or archived, they may use their SSN/passport number to reapply. Otherwise, duplicate applications will result in an HTTP error (400).
This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.
| Verb | POST |
| URL | https://api.s.unit.sh/applications |
| Required Scope | applications-write |
| Data Type | individualApplication |
| Timeout (Seconds) | 120 |
Attributes
ssn or passport number is required."2001-08-15"). accountPurpose is one of Cryptocurrency,CashHeavyPersonalIncome, InternationalRemittancesSalaryOrWages,BusinessIncome,InvestmentIncome,RetirementSavings,Inheritance,Gift,SaleOfAssets,LegalSettlement,LoanProceedsBetween1KAnd5K,Between5KAnd15K,Between15KAnd30K,Between30KAnd60K,GreaterThan60KtransactionVolume is $30,001 or higher. Further detail around transaction volume selection.curl -X POST 'https://api.s.unit.sh/applications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
"data": {
"type": "individualApplication",
"attributes": {
"ssn": "721074426",
"fullName": {
"first": "Peter",
"last": "Parker"
},
"dateOfBirth": "2001-08-10",
"address": {
"street": "20 Ingram St",
"city": "Forest Hills",
"state": "NY",
"postalCode": "11375",
"country": "US"
},
"email": "peter@oscorp.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"ip": "127.0.0.2",
"profession": "Farmer",
"transactionVolume": "Between1KAnd5K",
"sourceOfFunds": "SalaryOrWages",
"accountPurpose": "PayrollOrDirectDeposit",
"tags": {
"userId": "106a75e9-de77-4e25-9561-faffe59d7814"
},
"idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
}
}
}'
Response
Response is a JSON:API document.
201 Created
{
"data": {
"type": "individualApplication",
"id": "53",
"attributes": {
"createdAt": "2020-01-14T14:05:04.718Z",
"fullName": {
"first": "Peter",
"last": "Parker"
},
"ssn": "721074426",
"address": {
"street": "20 Ingram St",
"street2": null,
"city": "Forest Hills",
"state": "NY",
"postalCode": "11375",
"country": "US"
},
"dateOfBirth": "2001-08-10",
"email": "peter@oscorp.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"status": "AwaitingDocuments",
"ip": "127.0.0.2",
"profession": "Farmer",
"transactionVolume": "Between1KAnd5K",
"sourceOfFunds": "SalaryOrWages",
"accountPurpose": "PayrollOrDirectDeposit",
"soleProprietorship": false,
"tags": {
"userId": "106a75e9-de77-4e25-9561-faffe59d7814"
},
"archived": false
},
"relationships": {
"org": {
"data": {
"type": "org",
"id": "1"
}
},
"documents": {
"data": [
{
"type": "document",
"id": "1"
},
{
"type": "document",
"id": "2"
}
]
}
}
},
"included": [
{
"type": "document",
"id": "1",
"attributes": {
"documentType": "AddressVerification",
"status": "Required",
"name": "Peter Parker",
"description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
"address": {
"street": "20 Ingram St",
"street2": null,
"city": "Forest Hills",
"state": "NY",
"postalCode": "11375",
"country": "US"
}
}
},
{
"type": "document",
"id": "2",
"attributes": {
"documentType": "IdDocument",
"status": "Required",
"name": "Peter Parker",
"description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.",
"dateOfBirth": "2001-08-10"
}
}
]
}
Create Sole Proprietor Application
Create an application for a sole proprietor.
A sole proprietorship is a type of enterprise owned and run by one person, and in which there is no legal distinction between the owner and the business entity. As such, it is evaluated as an individual, with the soleProprietorship attribute set to true
The SSN (or passport number, for non US citizens) is used as the unique identifier for an individual on Unit. The same identifier cannot be used to submit multiple applications. If an application for a certain individual has been denied, canceled or archived, they may use their SSN/passport number to reapply. Otherwise, duplicate applications will result in an HTTP error (400).
This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.
| Verb | POST |
| URL | https://api.s.unit.sh/applications |
| Required Scope | applications-write |
| Data Type | individualApplication |
| Timeout (Seconds) | 120 |
Attributes
ssn or passport number is required."2001-08-15").true in order to indicate that the individual is a sole proprietor.soleProprietorship is set to true.soleProprietorship is set to true.null value is indicative of the business customer attesting that they do not have a website.sourceOfFunds is one of importExportRevenue,donationsOrFundraisingisIncorporated is true. Two letters representing a US state.isIncorporated is true. Year of incorporation of the business.transactionVolume is $150,001 or higher. Further detail around transaction volume selection. accountPurpose is one of cashHeavyIncomeAndOperations,professionalServicesHandlingFunds, charitableOrNonProfitOrganizationOperations,commercialCashOperations,thirdPartyPaymentProcessing.curl -X POST 'https://api.s.unit.sh/applications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
"data": {
"type": "individualApplication",
"attributes": {
"ssn": "721074426",
"fullName": {
"first": "Peter",
"last": "Parker"
},
"dateOfBirth": "2001-08-10",
"address": {
"street": "20 Ingram St",
"city": "Forest Hills",
"state": "NY",
"postalCode": "11375",
"country": "US"
},
"email": "peter@oscorp.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"ip": "127.0.0.2",
"soleProprietorship": true,
"ein": "123456789",
"dba": "Piedpiper Inc",
"website": "https://www.piedpiper.com",
"accountPurpose": "EcommerceSales",
"transactionVolume": "LessThan5K",
"usNexus": [
"NotAvailable"
],
"countriesOfOperation": [
"US",
"CA"
],
"isIncorporated": false,
"businessIndustry": "GroceryStoresOrSupermarkets",
"tags": {
"userId": "106a75e9-de77-4e25-9561-faffe59d7814"
},
"idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
}
}
}'
Response
Response is a JSON:API document.
201 Created
{
"data": {
"type": "individualApplication",
"id": "53",
"attributes": {
"createdAt": "2020-01-14T14:05:04.718Z",
"fullName": {
"first": "Peter",
"last": "Parker"
},
"ssn": "721074426",
"address": {
"street": "20 Ingram St",
"street2": null,
"city": "Forest Hills",
"state": "NY",
"postalCode": "11375",
"country": "US"
},
"dateOfBirth": "2001-08-10",
"email": "peter@oscorp.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"status": "AwaitingDocuments",
"ip": "127.0.0.2",
"soleProprietorship": true,
"ein": "123456789",
"dba": "Piedpiper Inc",
"website": "https://www.piedpiper.com",
"accountPurpose": "EcommerceSales",
"transactionVolume": "LessThan5K",
"usNexus": [
"NotAvailable"
],
"countriesOfOperation": [
"US",
"CA"
],
"isIncorporated": false,
"businessIndustry": "GroceryStoresOrSupermarkets",
"tags": {
"userId": "106a75e9-de77-4e25-9561-faffe59d7814"
},
"archived": false
},
"relationships": {
"org": {
"data": {
"type": "org",
"id": "1"
}
},
"documents": {
"data": [
{
"type": "document",
"id": "1"
},
{
"type": "document",
"id": "2"
}
]
}
}
},
"included": [
{
"type": "document",
"id": "1",
"attributes": {
"documentType": "AddressVerification",
"status": "Required",
"name": "Peter Parker",
"description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
"address": {
"street": "20 Ingram St",
"street2": null,
"city": "Forest Hills",
"state": "NY",
"postalCode": "11375",
"country": "US"
}
}
},
{
"type": "document",
"id": "2",
"attributes": {
"documentType": "IdDocument",
"status": "Required",
"name": "Peter Parker",
"description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.",
"dateOfBirth": "2001-08-10"
}
}
]
}
Create Business Application
Create an application for a business end-customer.
Companies that are publicly traded in a major US stock exchange are subject to lighter onboarding requirements. If your customer base includes publicly traded companies, please reach out to Unit for additional information.
| Verb | POST |
| URL | https://api.s.unit.sh/applications |
| Required Scope | applications-write |
| Data Type | businessApplication |
| Timeout (Seconds) | 120 |
Attributes
address is associated with a registered agent, or if a beneficial owner of officer are non-US.null value is indicative of the business customer attesting that they do not have a website.CEO, COO, CFO, President, BenefitsAdministrationOfficer, CIO, VP, AVP, Treasurer, Secretary, Controller, Manager, Partner or Member). To onboard a business successfully, you must provide the officer's personal details.sourceOfFunds is one of importExportRevenue,donationsOrFundraising,isRegulated is true. The name of the regulator if the business is regulated.NotAvailable or one or more of the other options. accountPurpose is one of cashHeavyIncomeAndOperations,professionalServicesHandlingFunds, charitableOrNonProfitOrganizationOperations,commercialCashOperations,thirdPartyPaymentProcessing.transactionVolume is $1,000,001 or higher. Further detail around transaction volume selection.entityType is PubliclyTradedCorporation. The name of the stock exchange where the business's stock is traded.entityType is PubliclyTradedCorporation . The stock symbol (ticker) of the business.LLC, Partnership, PubliclyTradedCorporation, PrivatelyHeldCorporation or NotForProfitOrganization, Estate, Trust,ForeignFinancialInstitution, DomesticFinancialInstitution, GovernmentEntityOrAgency, ReligiousOrganization, Charity.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",
"businessIndustry": "TechnologyMediaOrTelecom",
"website": "www.piedpiper.com",
"accountPurpose": "RetailSalesInPerson",
"sourceOfFunds": "salesOfGoods",
"transactionVolume": "Between1KAnd5K",
"usNexus": [
"NotAvailable"
],
"countriesOfOperation": [
"US",
"CA"
],
"yearOfIncorporation": "2014",
"entityType": "Corporation",
"isRegulated": false,
"businessDescription": "We are a technology company that sells technology products to our customers.",
"ein": "123456789",
"ip": "127.0.0.2",
"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"
}
}
}'
Response
Response is a JSON:API document.
201 Created
{
"data": {
"type": "businessApplication",
"id": "50",
"attributes": {
"createdAt": "2020-01-13T16:01:19.346Z",
"name": "Pied Piper",
"dba": null,
"address": {
"street": "5230 Newell Rd",
"street2": null,
"city": "Palo Alto",
"state": "CA",
"postalCode": "94303",
"country": "US"
},
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"isIncorporated": true,
"stateOfIncorporation": "DE",
"yearOfIncorporation": "2014",
"businessIndustry": "TechnologyMediaOrTelecom",
"accountPurpose": "RetailSalesInPerson",
"sourceOfFunds": "SalesOfGoods",
"transactionVolume": "Between1KAnd5K",
"usNexus": [
"NotAvailable"
],
"countriesOfOperation": [
"US",
"CA"
],
"entityType": "Corporation",
"isRegulated": false,
"website": "www.piedpiper.com",
"businessDescription": "We are a technology company that sells technology products to our customers.",
"contact": {
"fullName": {
"first": "Richard",
"last": "Hendricks"
},
"email": "richard@piedpiper.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
}
},
"officer": {
"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",
"title": "CEO",
"email": "richard@piedpiper.com",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"status": "Approved"
},
"beneficialOwners": [
{
"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",
"phone": {
"countryCode": "1",
"number": "5555555555"
},
"email": "richard@piedpiper.com",
"percentage": 75,
"status": "Approved"
}
],
"tags": {
"userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
},
"archived": false,
"status": "AwaitingDocuments"
},
"relationships": {
"org": {
"data": {
"type": "org",
"id": "1"
}
},
"documents": {
"data": [
{
"type": "document",
"id": "1"
},
{
"type": "document",
"id": "2"
},
{
"type": "document",
"id": "3"
}
]
}
}
},
"included": [
{
"type": "document",
"id": "1",
"attributes": {
"documentType": "CertificateOfIncorporation",
"status": "Required",
"name": "Pied Piper",
"description": "For Corporation: Please provide a certified copy of the Articles of Incorporation or Certificate of Incorporation..."
}
},
{
"type": "document",
"id": "2",
"attributes": {
"documentType": "AddressVerification",
"status": "Required",
"name": "Richard Hendricks",
"description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
"address": {
"street": "5230 Newell Rd",
"street2": null,
"city": "Palo Alto",
"state": "CA",
"postalCode": "94303",
"country": "US"
}
}
},
{
"type": "document",
"id": "3",
"attributes": {
"documentType": "IdDocument",
"status": "Required",
"name": "Richard Hendricks",
"description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID."
}
}
]
}
Update Business
Update a business application.
Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.
| Verb | PATCH |
| URL | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes
Response
Response is a JSON:API document.
200 OK
curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
"data": {
"type": "businessApplication",
"attributes": {
"tags": {
"by": "Richard Hendricks",
"id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
}
}
}
}'
Update Business Beneficial Owner
Update a business application's beneficial owner. The application id associated with the beneficial owner must be passed as a relationship in the request body.
| Verb | PATCH |
| URL | https://api.s.unit.sh/beneficial-owner/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes
Response
Response is a JSON:API document.
200 OK
curl -X PATCH 'https://api.s.unit.sh/beneficial-owner/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
"data": {
"type": "beneficialOwner",
"attributes": {
"percentage": 25
},
"relationships": {
"application": {
"data": {
"type": "businessApplication",
"id": "10001"
}
}
}
}
}'
Update Individual
Update an individual application.
Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.
| Verb | PATCH |
| URL | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes
Response
Response is a JSON:API document.
200 OK
curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
"data": {
"type": "individualApplication",
"attributes": {
"tags": {
"by": "Richard Hendricks",
"id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
}
}
}
}'
Update Sole Proprietor
Update a sole-proprietorship application.
Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.
| Verb | PATCH |
| URL | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes
Response
Response is a JSON:API document.
200 OK
curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
"data": {
"type": "individualApplication",
"attributes": {
"tags": {
"by": "Richard Hendricks",
"id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
}
}
}
}'