NymCard vs Unit
NymCard
nymcard.comUnit
unit.coSide by side
| Figure | NymCard | Unit |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | Yes | — |
| Plans published | 1 | 1 |
| Spec score · Banking-as-a-Service Platforms | 8.0 (#7) | 7.6 (#17) |
| Developer tools | NymCard documentation describes API integration resources and directs developers to its sandbox, API catalog, and internal analytics tools. | Developer tools include an API, customer tokens, simulations, open-source SDKs, data warehouse sync, and brandable UI components. |
| Founded | 2018 | 2019 |
| Integrations | NymCard says its platform connects to existing core banking platforms without requiring their replacement. | Listed integrations include Plaid, Yodlee, TabaPay, Stytch, Rainforest, Intuit, AWS S3, Google Cloud Storage, Auth0, and Allpoint. |
| Product | nCore combines card issuing, money movement, settlement, reconciliation, lending, and financial crime capabilities on one payments platform. | Unit provides financial infrastructure for businesses to embed money storage, movement, spending, and lending in their products. |
| Support | The site directs prospective customers to contact its team and directs developers to documentation. | Unit directs customers seeking security policies, reports, or documents to contact [email protected]. |
| What it does | NymCard describes nCore as a payments platform covering card issuing, money movement, settlement, reconciliation, lending, and financial crime. | Unit is an enterprise-grade financial infrastructure platform for offering financial services to customers. |
Plans
In their own words
NymCard
NymCard’s nCore is a payments platform for banks, fintechs, and businesses building financial products. It combines card issuing, money movement, settlement, reconciliation, lending infrastructure, and financial crime capabilities. Card programs can issue debit, credit, or prepaid cards in physical, virtual, or tokenized form, with controls for spending limits, billing cycles, repayment, and installments.
The platform also supports domestic and cross-border payments, foreign exchange, remittances, wallet top-ups, peer-to-peer and merchant payments, bill payments, transfers, and cash in and out. Financial crime features include identity verification, fraud monitoring, risk management, AML and sanctions screening, and issuer-side 3D Secure. NymCard says nCore can connect to existing core banking systems without replacing them, and can run in public cloud, hybrid, on-soil, or fully on-premise deployments. Its APIs, webhooks, implementation guides, and developer tools support integration. Listed platforms include Android, iOS, web, API, and self-hosted. NymCard says nCore holds PCI DSS Level 1, PCI SSF, SOC 2 Type II, and ISO 27001 certifications. Pricing is on request. Its lending infrastructure supports decisioning, origination, and servicing, but NymCard does not fund loans.
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.