Unit
Unit is a Banking-as-a-Service (BaaS) platform that lets companies embed deposit accounts, cards, payments, and lending into their own products without becoming a bank. A single REST API, built on the JSON:API specification (media type application/vnd.api+json) and secured with Bearer/JWT tokens, covers onboarding (Applications), Customers, Deposit and Credit Accounts, Debit and Credit Cards, real-time card Authorizations, Payments (Book, ACH, Wire, Recurring, Cash Deposits), Counterparties, Checks, Transactions, Statements, Tax Forms, Fees, Rewards, Credit and Repayments, and Events delivered as signed HTTP webhooks. Unit publishes an official OpenAPI 3.0.2 specification (github.com/unit-finance/openapi-unit-sdk) plus generated Node.js, Python, Ruby, and Java SDKs. Sandbox runs at api.s.unit.sh; production access is provisioned per signed BaaS agreement with Unit's partner banks.
Unit publishes 17 APIs on the APIs.io network, including Accounts API, API Tokens API, Applications API, and 14 more. Tagged areas include FinTech, BaaS, Banking, Payments, and Card Issuing.
Unit’s developer surface includes authentication, documentation, engineering blog, and 10 more developer resources.
Kin Score
APIs 17
Individual APIs this provider publishes, each with its own machine-readable definition.
Unit Accounts API
Deposit and credit accounts.
Unit API Tokens API
Org-level and customer-level authentication tokens.
Unit Applications API
Individual and business application onboarding (KYC/KYB).
Unit Authorizations API
Completed card authorizations and real-time authorization requests.
Unit Cards API
Debit and credit card issuance and management.
Unit Checks API
Check deposits and outbound check payments.
Unit Counterparties API
External bank accounts and routing-number institution lookups.
Unit Credit and Repayments API
Repayments on credit accounts and receivables.
Unit Customers API
Customer profiles created from approved applications.
Unit Events API
Platform activity log.
Unit Fees and Rewards API
Ad hoc fees and cashback-style rewards.
Unit Payments API
Book, ACH, wire, recurring, and cash-deposit payments.
Unit Risk and Fraud API
Stop payments and card/ACH disputes.
Unit Statements API
Monthly account statements.
Unit Tax Forms API
Annual tax documents.
Unit Transactions API
Posted, immutable ledger entries.
Unit Webhooks API
Subscriptions that deliver events as signed HTTP callbacks.
Scroll for all 17
Open Collections 1
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Unit API
OPEN COLLECTIONPricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Unit Co Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Unit Co Finops
FINOPSSecurity Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API