Unit
unit.co
What it is
Unit provides financial infrastructure for businesses that want to offer financial services inside their own products. Its building blocks include deposit and wallet accounts, cards, credit products, and payments through ACH, wires, RTP, checks, and international payments. A native ledger records transactions with settlement-level visibility. Developers can work through an API, customer tokens, simulations, open-source SDKs, and data warehouse sync, or use optional brandable UI components for web and mobile web, React Native, Android, and iOS. The Dashboard includes SAML 2.0 single sign-on, multi-factor authentication, and team roles and permissions. Managed Solutions can build and operate Banking or Bill Pay modules and provide end-customer support under a client's brand. Unit lists integrations including Plaid, Yodlee, Intuit, and AWS S3. It identifies itself as a financial technology company, not a bank; partner banks provide banking services. Pricing is available on request.
Spec sheet
- What it does
- Unit is an enterprise-grade financial infrastructure platform for offering financial services to customers.Read 30 Sep 2026 · unit.co
- Product
- Unit provides financial infrastructure for businesses to embed money storage, movement, spending, and lending in their products.Read 30 Sep 2026 · unit.co
- Integrations
- Listed integrations include Plaid, Yodlee, TabaPay, Stytch, Rainforest, Intuit, AWS S3, Google Cloud Storage, Auth0, and Allpoint.Read 30 Sep 2026 · unit.co
- Support
- Unit directs customers seeking security policies, reports, or documents to contact [email protected].Read 30 Sep 2026 · unit.co
- Headquarters
- New York City and Tel AvivRead 28 Sep 2026 · unit.co
- Founded
- 2019Read 28 Sep 2026 · unit.co
- API authentication
- Unit's API uses OAuth 2.0 Bearer Token authentication.Read 30 Sep 2026 · unit.co
- Banking status
- Unit says it is a financial technology company, not a bank, and that banking services are provided by its partner banks, which are Members FDIC.Read 30 Sep 2026 · unit.co
- Card issuance
- Cards are issued through Unit's network of bank partners and can support Visa debit networks and optional Allpoint ATM access.Read 30 Sep 2026 · unit.co
- Company status
- Unit identifies itself as a financial technology company and not a bank; banking services are provided by partner banks that are Members FDIC.Read 30 Sep 2026 · unit.co
- Core building blocks
- Unit's basic entities include customers, accounts, payments, cards and transactions.Read 30 Sep 2026 · unit.co
- Dashboard security
- The Unit Dashboard supports SAML 2.0 single sign-on, multi-factor authentication, and built-in team roles and permissions.Read 30 Sep 2026 · unit.co
- Deposit insurance limitation
- Pass-through deposit insurance is subject to FDIC rules and conditions, and Unit says it may not be available if those conditions are not met.Read 30 Sep 2026 · unit.co
- Developer tools
- Developer tools include an API, customer tokens, simulations, open-source SDKs, data warehouse sync, and brandable UI components.Read 30 Sep 2026 · unit.co
- Encryption
- Unit says it encrypts sensitive data at rest using AES 256-GCM and data in transit using TLS 1.2 or higher.Read 30 Sep 2026 · unit.co
- Financial building blocks
- The platform supports deposit and wallet accounts, cards, credit products, and money movement including ACH, wires, RTP, checks, and international payments.Read 30 Sep 2026 · unit.co
- Financial products
- The platform supports deposit accounts, FBO wallets, cards, ACH, wires, checks and international payments.Read 30 Sep 2026 · unit.co
- Ledger and visibility
- Unit tracks transactions on its native ledger with settlement-level visibility.Read 30 Sep 2026 · unit.co
- Managed solutions
- Managed Solutions let Unit build and operate Banking or Bill Pay modules while handling end-customer support under the client's brand.Read 30 Sep 2026 · unit.co
- Pricing availability
- The Unit pages reviewed direct prospective customers to chat with an expert; the pricing page could not be opened and the reviewed pages did not state a price.Read 30 Sep 2026 · unit.co
- Sandbox
- Unit's Sandbox is a full replica of production with standard API endpoints and simulation-specific endpoints for testing.Read 30 Sep 2026 · unit.co
- Security certifications
- Unit states that it is SOC 2 Type II compliant and PCI DSS Level 1 certified.Read 30 Sep 2026 · unit.co
- Security compliance
- Unit states that it is SOC 2 Type II compliant and PCI DSS Level 1 compliant.Read 30 Sep 2026 · unit.co
- Target customers
- Unit describes its platform as serving companies building embedded financial products, with examples spanning small-business banking, landlord services, employee benefits, and freight payments.Read 30 Sep 2026 · unit.co
- Tooling
- Unit provides an API, Dashboard and optional white-label UI components.Read 30 Sep 2026 · unit.co
- UI components
- Unit's UI components support web and mobile web, React Native, Android and iOS.Read 30 Sep 2026 · unit.co
- Who it is for
- Unit's customers include software companies serving small businesses, independent workers and consumers with embedded financial products.Read 30 Sep 2026 · unit.co
Plans and prices
Unit Platform Priced on request actual card pricing, shipping and order minimums depend on program and design choices Read 30 Sep 2026 · unit.co
Strong points and limits
Strong points
- Supports deposits, wallets, cards, credit, and payment rails.
- Ledger provides settlement-level transaction visibility.
- Sandbox replicates production API endpoints.
- Dashboard supports SAML 2.0, MFA, and team roles.
- SOC 2 Type II compliant and PCI DSS Level 1 certified.
Limits
- Pricing is available on request.
- Supported region listed is the United States.
- Unit is not a bank; partner banks provide banking services.
- Pass-through deposit insurance depends on FDIC rules and conditions.
Who it suits
Unit suits software companies building embedded financial products for small businesses, independent workers, or consumers. Its tools cover account, card, payment, and lending services, with a United States supported region listed.
Verdict
Unit specifies a broad set of financial building blocks, developer tools, and security provisions for embedded finance. Prospective customers will need to request pricing, and deposit insurance is conditional rather than guaranteed.
Where Specifiction places it
- Banking-as-a-Service Platforms#17 of 317.6
