Decentro vs Unit
Decentro
decentro.techUnit
unit.coSide by side
| Figure | Decentro | Unit |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Banking-as-a-Service Platforms | 8.1 (#6) | 7.6 (#17) |
| Integrations | Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch. | Listed integrations include Plaid, Yodlee, TabaPay, Stytch, Rainforest, Intuit, AWS S3, Google Cloud Storage, Auth0, and Allpoint. |
| Product | Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs. | Unit provides financial infrastructure for businesses to embed money storage, movement, spending, and lending in their products. |
| Support | The escrow page describes 24x7x365 priority support via email, phone, and Slack. | Unit directs customers seeking security policies, reports, or documents to contact [email protected]. |
| What it does | Decentro describes itself as a full-stack Banking-as-a-Service platform that lets businesses select financial modules, test them in a sandbox, and launch using APIs and SDKs. | Unit is an enterprise-grade financial infrastructure platform for offering financial services to customers. |
| Who it is for | The global collections page lists cross-border businesses, marketplaces, financial institutions, consumer platforms, offline payment processors, and payment aggregators as use cases. | Unit's customers include software companies serving small businesses, independent workers and consumers with embedded financial products. |
Plans
In their own words
Decentro
Decentro is a Banking-as-a-Service platform that provides financial modules through APIs and SDKs. Its global collection service lets businesses accept international payments in local currencies through a unified API, with payment options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts. The collection page lists 9+ currencies, though available collection and settlement currencies depend on Decentro’s licenses and support as a payment service provider.
Other offerings include multi-currency accounts, escrow, and a ledger for transactions and balances. The multi-currency escrow service supports holding, splitting, and releasing funds, and lists USD, GBP, EUR, AED, AUD, and JPY. Incoming payments can be matched to invoices. A web dashboard shows transaction data and balances, supports payment initiation, and provides reconciliation reports.
Unit
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.