Unit offers an enterprise‑grade embedded finance platform that lets SaaS, marketplace and consumer platforms add banking, payments, card issuing, and lending features via a unified API and optional white‑label UI components. The service handles regulatory compliance, risk management and back‑office operations, enabling developers to launch money‑related products in weeks rather than months while retaining full control over customization and revenue tracking.
Funding
$100M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
5OFounders
Product
Problem
Software platforms that want to offer financial services must build and maintain complex banking infrastructure, obtain regulatory approvals, and integrate multiple payment, card, and lending providers. This creates high engineering overhead, long time‑to‑market, and limits the ability to monetize user interactions with money.
Solution
Unit provides an enterprise‑grade embedded finance platform that supplies core banking products—accounts and wallets, card issuing, payments, and capital—through a unified API and optional white‑label UI components. The platform handles regulatory compliance, risk management, and back‑office operations, allowing developers to launch money‑related features in weeks rather than months. Customers can either use fully managed, ready‑to‑launch solutions or integrate the composable primitives for deeper customization. Real‑time dashboards, analytics, and third‑party integrations (e.g., Plaid, Intuit, AWS) give businesses visibility and control over transaction flows and revenue tracking.
Target Audience
Primary customers are SaaS, marketplace, and consumer platforms that want to embed banking, payments, or credit products directly into their user experience.
Features
- Unified API and SDKs for accounts, payments, card issuance, and lending, enabling end‑to‑end money movement
- White‑label UI components (application forms, activity streams, card management) that can be branded and customized with minimal code
- Built‑in compliance, risk, and fraud tools, plus a business continuity solution for bank partners
- Real‑time dashboards for monitoring revenue, interchange fees, and customer activity
- Pre‑built integrations with Plaid, Intuit, and AWS S3 for account linking, accounting sync, and data export
- Scalable infrastructure supporting millions of API calls daily and billions of dollars in annual transaction volume