Banking overview

Ready-to-Launch

Banking

Launch with zero build in as little as 3 weeks.

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Deliver a fully white-labeled banking experience with minimal engineering. Our turnkey solution seamlessly integrates accounts, cards, and payments directly into your product for fast, seamless implementation.

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Consider Ready-to-Launch Solutions if

You want to unlock new revenue streams — offer financial products to your existing customer ecosystem.

Speed to market is critical — a rapid, low-friction path to launch a Minimum Viable Product (MVP).

You want to validate market demand before committing internal resources to development.

Your team faces resource constraints — you need an out-of-the-box solution to accelerate deployment.

Unit’s Ready-to-Launch solution empowers you to quickly test, iterate, and scale financial products—without the overhead of building from scratch.

Features

Onboarding

Deposit Accounts

Money In

Money Out

Account funding

Activity

Cards

First-time users

Onboarding (KYB / KYC) experience

Identity verification, fraud screening, document verification (if applicable), manual reviews

Onboarding (KYB / KYC) experience

Identity verification, fraud screening, document verification (if applicable), manual reviews

Deposit Accounts

Multiple deposit accounts with flexible terms (limits, clearing times, end customer fees, interest)

Money In

Receive ACH credit, Receive Wire, Cash deposits in Allpoint ATMs (using a physical card)

Money Out

ACH credit (same / next day), Book payments (between accounts on the Unit platform), cards, ATM

Account funding

Processor payouts, ACH debit (pull), Check deposits

Activity

Overview of the customer's activity (transactions, card authorizations etc.)

Cards

Multiple physical and/or virtual cards, both branded. Including ability to add cards to a mobile wallet, and create new physical or virtual cards.

First-time user experience

During onboarding, the White-label App prompts users to fund their account and activate their card, driving engagement with core banking features.

The Opportunity

Vertical SaaS platforms can achieve meaningful product differentiation by embedding white-labeled financial services directly into their workflows. Embedded finance streamlines user operations, increases customer stickiness, and unlocks new revenue streams—all with minimal integration complexity and overhead.

End Customer Value

Modern banking features accessible directly within your product:

Offer deposit accounts: Interest-bearing (Millions in FDIC insurance available for funds on deposit*).

Faster Access: Instant payouts and 24/7 book transfers; send/receive ACH (including same-day), wires, and checks.

Automated Financial Tools: Enable auto-savings for taxes, payroll, and more.

Flexible Access: Support multiple authorized user types for role-based permissions.

Card Issuance: Instantly issue physical and virtual debit cards with programmable controls.

Convenient Cash Management: ATM cash deposits/withdrawals at thousands of locations; mobile check deposit.

Seamless Integrations: Connect to Plaid and QuickBooks for streamlined business operations.

Custom Build

Leverage our customizable API, SDKs, and third-party integrations to embed advanced financial services with maximum flexibility—ideal for businesses needing deep integration and tailored banking experiences.

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Why choose Ready-to-launch Over a
Referral Program

Greater Revenue Potential: Capture more value with embedded, white-labeled financial products.

Platform Stickiness: Embedded banking drives user engagement and retention.

Integrated Experience: Align banking activity with your business logic and workflows.

Seamless Onboarding: Streamlined user journeys with pre-filled data.

Full Visibility: Access real-time program analytics and performance metrics.

Product Expansion: Easily add synergistic offerings (e.g., charge cards, working capital, AP).

Future-Proof: Seamlessly graduate to a custom solution with zero data loss or customer migration.

See Ready-to-Launch in action

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