Announcing our $100M Series C—and our expansion into credit products. Read more

Fastest way to launch, easiest way to scale.

Unit is the banking-as-a-service platform built for speed, flexibility, scale, and success.

Thank you!

We have received your request and will process it as soon as possible.

Oops! Something went wrong while submitting the form.

Trusted by leading brands

Unit’s API

Unit is a single API to build your entire banking suite

The Unit platform is designed to simplify building banking into your product. With everything you need available through one API you can build innovative banking solutions.

01

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
02

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
03

Cards

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

  • Debit cards
  • Charge and credit cards
    Coming Soon
  • 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":"businessVirtualDebitCard",
  "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": "depositAccount",
        "id": "1"
      }
    }
  }
 }
}'
Documentation
04

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
  • Bill Pay
  • 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
05

Lending

Create innovative lending solutions that get your customers the money they need when they need it.

  • Early payment access
  • Factoring
  • Overdraft
    Coming Soon
  • 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
How it Works

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.

Speed

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 as little as 5 weeks.
Flexibility

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.
Insights

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.
Integrations

Seamless integrations

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

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 white-glove onboarding, one-on-one support, and expert advice to help you launch and scale easily.
How Unit Helped Lance Build a Banking App for Freelancers
"We evaluated other APIs and Unit was the easiest to use and fastest to launch. Unit has been a partner from day one and continues to innovate with us as we grow."
- Oona Rokyta, CEO & Co-founder of Lance
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
How Unit Helped Benepass Deliver a Better Benefits Experience
"Unit was also able to lift the compliance burden off of us and allowed us to focus on building a great benefits experience for our end users, not manage compliance and bank relationships"
- Jacklyn Chen, CEO of Benepass
Read the success story
How Unit helped Enzo launch premium banking for high earners
“Working with Unit has been transformational. They understand our goals, and they’ve guided us through numerous areas of compliance and operations where we had limited experience, coming in.”
— Jeremy Shoykhet, CEO of Enzo
Read the success story
How Unit Helped Tribevest Simplify Group Investing
"Unit was able to partner with us and help create a that allowed us to seamlessly migrate from our current sponsor bank to Unit. The integration has been seamless and we’re excited to be able to offer business banking to all our Investor Tribes so they can start investing and building wealth."
- Travis Smith, CEO at Tribevest
Read the success story

Bring financial features to life and start building — today

Thank you!

We have received your request and will process it as soon as possible.

Oops! Something went wrong while submitting the form.