Unit

Embedded finance platform for adding banking, cards, and lending to any product.

Overview

Unit is a banking-as-a-service platform exposing deposit accounts, debit cards, payments, and lending through one API, with a partner bank holding the deposits.

It covers account opening with KYC and KYB, card issuance in virtual and physical form, ACH, wire, and cheque payments, and a real-time ledger with webhooks. Because a partner bank holds customer funds, the deposit relationship and its reconciliation model sit with that bank rather than with Unit.

Common use cases

Add a deposit account to an existing product
Issue virtual and physical debit cards
Move money by ACH, wire, or cheque
Run onboarding checks before opening an account

Key features

Embedded bank accounts with FDIC insurance pass-through
Custom card issuance (virtual and physical)
ACH, wire, and check payment capabilities
Loan origination and credit product management
White-label banking with branded mobile app
Compliance-ready KYC/KYB onboarding flows
Real-time ledger and transaction webhooks
Partner bank network for national coverage

Sources and evidence

FintechToolkit records the source behind core directory claims. This profile’s sources were last captured on 1 August 2026. Validate time-sensitive commercial, regulatory, and availability details directly with the provider.

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