Store money inside your product

Build on the platform powering over $3B in deposits

post

/ accounts

curl -X POST 'https://api.s.unit.sh/accounts' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "depositAccount", "attributes": { "depositProduct": "checking", "tags": { "purpose": "checking" }, "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8" }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } } } } }'

{ "data": { "type": "depositAccount", "id": "42", "attributes": { "createdAt": "2000-05-11T10:19:30.409Z", "name": "Peter Parker", "status": "Open", "depositProduct": "checking", "routingNumber": "812345678", "accountNumber": "1000000002", "currency": "USD", "balance": 10000, "hold": 0, "available": 10000, "tags": { "purpose": "checking" } }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } } } } }

Open FDIC-insured deposit accounts

Create an FDIC-insured account and expose its live ledger state through your product.

Open business or consumer deposit accounts via API

Return routing and account numbers on creation

Read balance, holds, available funds, and account status

Add custom tags to any object, like "user_type = premium"

View docs

post

/ accounts

curl -X POST 'https://api.s.unit.sh/accounts' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "walletAccount", "attributes": { "walletTerms": "walletDefault", "tags": { "purpose": "Healthcare" }, "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8" }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } } } } }'

{ "data": { "type": "walletAccount", "id": "42", "attributes": { "createdAt": "2000-05-11T10:19:30.409Z", "name": "Peter Parker", "status": "Open", "walletTerms": "walletDefault", "routingNumber": "812345678", "accountNumber": "1000000002", "currency": "USD", "balance": 10000, "hold": 0, "available": 10000, "tags": { "purpose": "Healthcare" } }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } } } } }

Create an FBO wallet

Subledger funds while maintaining real-time balance visibility.

Create wallets to segregate and track customer funds

Read balance, holds, and available funds in real time

Expose routing and account numbers for supported payment rails

View docs

get

/ accounts

curl -X GET 'https://api.s.unit.sh/accounts/10035/transactions/9547' -H 'Authorization: Bearer ${TOKEN}'

{ "data": { "type": "wireTransaction", "id": "9547", "attributes": { "createdAt": "2020-07-05T15:49:36.864Z", "direction": "Credit", "amount": 1000, "balance": 12000, "summary": "Wire to Jane Smith", "imadOmad": { "imad": "123456", "omad": "654321" }, "counterparty": { "name": "Jane Smith", "routingNumber": "812345678", "accountNumber": "10039", "accountType": "Checking" } }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "10035" } }, "customer": { "data": { "type": "customer", "id": "5" } } } } }

Access network-level payment data

Build on infrastructure connected directly to FedACH, Fedwire, Check21 and TCH.

Access trace numbers, IMAD/OMAD identifiers, settlement timing, and raw return codes

Track payment state from actual network events

Build accounts, payments, cards, and transactions on a single native ledger

View docs

patch

/ accounts

curl -X PATCH 'https://api.s.unit.sh/accounts/42' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "depositAccount", "attributes": { "depositProduct": "business_plus" } } }'

{ "data": { "type": "depositAccount", "id": "42", "attributes": { "createdAt": "2000-05-11T10:19:30.409Z", "name": "Pied Piper", "status": "Open", "depositProduct": "business_plus", "routingNumber": "812345678", "accountNumber": "1000000002", "currency": "USD", "balance": 10000, "hold": 0, "available": 10000, "tags": {} }, "relationships": { "customer": { "data": { "type": "customer", "id": "45555" } } } } }

Offer tiered accounts without building the logic

Deposit products bundle interest, fees, and limits into reusable tiers.

Assign a tier with one field when opening an account

Enforce limits, interest, fees, and clearing times without extra code

Move accounts between tiers with one API call as segments evolve

View docs

Direct Fed connection

Send ACH, wire, and check payments straight to the Federal Reserve

Multi-bank flexibility

Work with one or multiple partner banks through the same API

Program management

Use Unit for KYC/KYB, fraud, disputes, reconciliation, reporting; take on more as you scale

Connected ecosystem

Built-in integration with Plaid, Quickbooks, and other financial tools

Granular controls

Programmatically configure terms, rewards and limits per account or per customer segment.

Account protections

Add authorized users and control ACH pulls, checks, and wire drawdowns with Positive Pay and stop payments

Statements & verification letters

Deliver branded account statements, and 1099-INTs filed with the IRS

Operational tooling

Manage and tag customers, accounts, payments, and reviews through the same Dashboard

Give every customer a place to manage their money

Offer business and consumer accounts directly in your product, so customers can receive payments, hold money, and manage balances without leaving your experience. Configure accounts around the needs of different customers and use cases.

Offer unlimited accounts per customer

Set terms, limits, interest and rewards by customer tier

Offer cash deposits and fee-free Allpoint ATMs

Receive funds over FedACH, Fedwire, RTP, and check

Manage complex money flows on a single ledger

Build accounts payable and receivable workflows, from bill pay and invoicing to payroll. Use wallets, FBO accounts, and Unit’s native ledger to hold and move funds, with every balance clearly separated and attributed.

Maintain distinct balances by customer or purpose

Generate a monthly statement for every wallet

Freeze, close, or reopen wallets via API

Build on real infrastructure

Explore the platform

Relay powers bank accounts, bill pay, receivables, and expense cards for 110,000+ small businesses.

Deposit Accounts

Credit Accounts

Debit Cards

Charge Cards

Checks

ACH

Wires

“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.”