Unit API
Unit is a full banking-as-a-service REST API with a self-serve developer portal, public sandbox, OpenAPI 3.0 spec, and open-source SDKs in six languages. Bearer tokens split org and customer scope, webhooks are HMAC-signed, and white-label UI components cover KYC, cards, and payments.
Frequently asked questions
Unit scores A on the API Report Card. Unit is a full banking-as-a-service REST API with a self-serve developer portal, public sandbox, OpenAPI 3.0 spec, and open-source SDKs in six languages. Bearer tokens split org and customer scope, webhooks are HMAC-signed, and white-label UI components cover KYC, cards, and payments.
Unit has a workable official integration path. Most engineering teams can build against it directly. Open API: self-serve, documented, with SDKs
Unit (Unit Finance Inc., New York / Tel Aviv, founded 2019 by Itai Damti and Doron Somech) is a leading US embedded finance / Banking-as-a-Service (BaaS) platform that lets vertical SaaS, marketplaces, and consumer fintechs add fully featured bank accounts, debit and credit cards, money movement (ACH, wire, check, RTP, FedNow), and capital/lending products to their applications via a REST API and a set of white-label UI components.
Vertical: Financial Services (Banking-as-a-Service / embedded finance / card issuing / money movement / embedded capital). Programmatic creation of customer records and KYC/KYB applications (POST /applications, POST /customers), with Unit running CIP/KYC, OFAC sanctions screening, and document collection.
High within the US Banking-as-a-Service category, Unit is widely considered one of the top 3 US BaaS platforms alongside Treasury Prime and Synctera, and the developer-favorite of the three for cleaner API ergonomics and faster time-to-launch.
End-user (consumer / SMB) PII and KYC artifacts, full name, DOB, SSN, government-ID documents, business EIN, beneficial-ownership records, OFAC screening results, CIP decision records.
Unit was founded in 2019 by Itai Damti and Doron Somech (both previously co-founders of Leverate) and is approximately 7 years old as of 2026.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.