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

$100B+

annual volume

2M+

accounts

11M+

API calls / day

99.999%

uptime

Direct, bare-metal access to the Federal Reserve, the card networks, and bank partners.

SOC 2 Type 2

PCI DSS

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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Direct to Federal Reserve & card networks

Unit is a registered Fed service provider with direct submission to Fedwire, FedACH, and check infrastructure, plus direct Visa and Mastercard connectivity.

Direct-to-bank relationships

Hold direct relationships with one or multiple partner banks - you own the economics and the terms. All through Unit's API.

Operations

Your program, your control surface

Unit can give you capabilities to manage onboarding, AML, disputes, reconciliation, statements, and bank reporting. Take any function in-house as you scale

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“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.”