Unit provides financial infrastructure for businesses embedding money services in their own products. Its building blocks include deposit and wallet accounts, cards, credit products, and payments through ACH, wires, RTP, checks, and international transfers. A native ledger tracks transactions with settlement-level visibility. Developer tools include an API, customer tokens, simulations, open-source SDKs, data warehouse sync, and brandable UI components for web and mobile web, React Native, Android, and iOS. Unit also provides a Dashboard and Managed Solutions, which can build and operate Banking or Bill Pay modules and handle end-customer support under a client’s brand. Listed integrations include Plaid, Yodlee, TabaPay, Stytch, Rainforest, Intuit, AWS S3, Google Cloud Storage, Auth0, and Allpoint. Unit says it is a financial technology company, not a bank; banking services come from partner banks that are Members FDIC. Pass-through deposit insurance depends on FDIC rules and conditions. Pricing is available on request, and the listed supported region is the United States.
Who it is for
Unit suits software companies building embedded financial products for small businesses, independent workers, or consumers. Its tools are aimed at businesses adding financial services to their own products.
What is good
- Supports accounts, cards, credit products, and multiple payment rails.
- Native ledger provides settlement-level transaction visibility.
- UI components support web, mobile web, and native platforms.
- Managed Solutions can operate Banking or Bill Pay modules.
What to know first
- Pricing is available on request.
- Supported region is listed as the United States.
- Unit is not a bank; partner banks provide banking services.
Verdict
Unit offers accounts, payments, cards, ledger tools, and managed modules for embedded finance products. Businesses should account for its partner-bank structure and the conditions attached to pass-through deposit insurance.
Unit plans and pricing
All plansCompared on banking-as-a-service platforms
- Card issuing
- Yes
- Embedded accounts
- Yes
- Payment rails
- ach
- KYC/AML tools
- Yes
- Ledger
- Yes
- Supported regions
- United States
