# Unit

**Canonical:** https://apis.io/providers/unit-co/  
**Website:** https://www.unit.co/  
**APIs profiled:** 17

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.

## Kin Score — 73.3 / 100 (exemplar)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 73.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 58.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 92.1 |
| Developer Ergonomics | 73.2 |
| Commercial Clarity | 65.8 |
| Access Clarity | 65.8 |

Regulatory layer — **Payments**: 84.4 (matched via tags).

## Agent readiness — 32.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (17)

- **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.

## MCP servers (1)

- **Unit MCP Server** — Candidate MCP tool surface derived one-to-one from the Unit OpenAPI operations. Unit does not publish a hosted/remote MCP server; this is a proposed mapping so the operations ca...

## Agentic access (1)

- **Unit Co Agentic Access** — 138 operations · 73 acting · 8 human-in-the-loop

## Security (4)

- **Unit Co Authentication** — http · 1 scheme
- **Unit Co Domain Security** — TLSv1.3 · HSTS · DMARC
- **Unit Co Vulnerability Disclosure** — disclosure policy published
- **Unit Co Trust Center** — SOC 2, PCI DSS

## Plans (1)

- **Unit Co Plans Pricing**

## Tags

Fintech, Backend-as-a-Service, Banking, Payments, Card Issuing, ACH, Lending, JSON:API

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/unit-co/). Scores are computed from the provider's own public artifacts under a published rubric.