Introducing White-Label App: Embed banking and lending with one line of code. Learn more.

Fastest way to launch, easiest way to scale.

Unit is the embedded finance platform built for speed, flexibility, scale, and success.

Trusted by leading brands

Unit is a single API to build your entire financial suite

Unit is designed to simplify building banking and lending into your product. Create innovative solutions with everything you need available through one API.

Onboarding

Onboard users with a process that's optimized to be as instant and documentless as possible. Focus on your product, not compliant user onboarding.

  • Low friction onboarding for individuals, businesses, and sole proprietors
  • Optimized fraud prevention
  • White-labeled application form
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",
     "ein": "123456789",
     "entityType": "Corporation",
     "ip": "127.0.0.1",
     "website": "https://www.piedpiper.com",
     "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"
   }
 }
}'
Documentation

Accounts

Instantly create and manage bank accounts your customers can use to deposit and move funds with.

  • Fully-managed compliance
  • FDIC-insured
  • Unlimited accounts per customer
  • Flexible terms
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"
      }
    }
  }
 }
}'
Documentation

Cards

Deliver physical and virtual cards, with all the features customers have come to expect.

  • Debit cards
  • Charge cards
  • Custom branded cards
  • Flexible rewards
  • Programmatic authorization
  • Mobile wallets ready
  • Fee-free ATM access
curl -X POST 'https://api.s.unit.sh/cards' \
-H 'Content-Type: application/vnd.api+json' \
-H 'Authorization: Bearer ${TOKEN}' \
--data-raw '{
"data":{
  "type":"businessVirtualChargeCard",
  "attributes": {
    "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",
    "email": "richard@piedpiper.com",
    "phone": {
      "countryCode": "1",
      "number": "5555555555"
    },
    "idempotencyKey":
"3a1a33be-4e12-4603-9ed0-820922389fb8"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "creditAccount",
        "id": "1"
      }
    }
  }
 }
}'
Documentation

Payments

Access a suite of payment tools that enables you to create the money movement your customers need.

  • ACH (including Same-Day ACH)
  • Wires
  • Checks
  • ATMs
  • Card Transfers
  • International Payments
curl -X POST 'https://api.s.unit.sh/payments' \
-H 'Content-Type: application/vnd.api+json' \
-H 'Authorization: Bearer ${TOKEN}' \
--data-raw '{
"data": {
  "type": "achPayment",
    "attributes": {
      "amount": 10000,
      "direction": "Credit",
      "counterparty": {
        "routingNumber": "812345678",
        "accountNumber": "12345569",
        "accountType": "Checking",
        "name": "Jane Doe"
      },
      "description": "Funding"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "555"
        }
    }
  }
 }
}'
Documentation

Lending

Create innovative lending solutions that instantly deliver capital to your customers.

  • Charge and credit-building cards
  • Factoring and supply chain financing
  • Instant payments
  • Merchant cash advances
  • Automatic repayment
  • Programmable decisioning
curl -X POST 'https://api.s.unit.sh/payments'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
 "data": {
   "type": "bookPayment",
   "attributes": {
     "amount": 10000,
     "description": "Loan number 168445376841"
   },
   "relationships": {
     "account": {
       "data": {
         "type": "lendingReserveAccount",
         "id": "555"
       }
     },
     "counterpartyAccount": {
       "data": {
         "type": "depositAccount",
         "id": "99821"
       }
     }
   }
 }
}'
Documentation

A platform and partnership designed for your success

Unit is more than a platform, we are a partner from pre-launch to launch and beyond. Our technology, people, and partnerships enable you to build at speed and scale more efficiently over time.

Build and launch in weeks

Unit’s suite of APIs, SDKs, white-labeled UIs, guides, and developer tools will make it easy to go from zero to launch in weeks.
Unit's quick banking as a service integration

Design better user experiences

Our banking ledger is built from the ground up and allows for greater flexibility. Respond to transactions in real-time, take actions programmatically, and set flexible terms for different users.

Manage and gather insights on our Dashboard

The Unit Dashboard offers a simple interface for you to monitor and manage your revenue. Gather real-time insights on your users and more.

Seamless integrations

Unit’s built-in integrations vastly expand your capabilities and access opportunities.
Learn more

Enterprise level support to help you succeed

Your dedicated success manager along with our best-in-class compliance and engineering teams are with you at every step. You'll get dedicated onboarding, one-on-one support, and expert advice to help you launch and scale easily.
Example of Unit's white glove onboarding process

Built on multiple banks

Unit has multiple bank partners to provide the fastest time-to-market, with the most complete set of banking features, and the most reliable infrastructure.

We work closely with all bank partners to ensure compliance, oversight, and security.

Learn more
How Unit helps AngelList become their customers’ financial mission control
“Banking makes every single feature we offer more interesting. With it, our platform functions as financial mission control for our customers. Without it, we’re just another software tool in a big, messy collection of products.”
- Sumukh Sridhara, Product Lead
Read the success story
Unit AngelList banking as a service integration
How Unit helped Invoice2go launch banking products that drive engagement and retention
"When companies come to us, their finances are generally spread out across a handful of tools: bank accounts, spreadsheets, accountants, and different software. Our goal is to give them a single place where they can see all of their money, figure out what they need to do next, and execute on it.”
- Mark Lenhard, CEO of Invoice2go
Read the success story
Unit helps Veryable pay contract laborers within 24 hours of completing a work opportunity
“Unit has been a game changer. Nobody else was able to build what we needed.”
- Noah Labhart, CTO of Veryable
Read the success story
How Unit Helped Bridge Quickly Onboard Tens of Thousands of New Members
"We needed a partner with whom we could scale quickly, and Unit has been that for us. With Unit, we’ve been able to onboard tens of thousands of new members in just a few months. In Unit, we’ve found a partner with a robust roadmap, a reliable API, and a responsive team.”
- Lalit Janak, CEO of Bridge
Read the success story
How Unit Helped Wethos Empower Freelancers to Grow their Business
"By partnering with Unit, we were able to accelerate our product roadmap by two years and make our dream of giving studios access to embedded banking and real-time profitability tracking a reality.”
- Rachel Renock, CEO & Co-founder of Wethos
Read the success story

Bring financial features to life and start building — today