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92
New York, USA Series C

Embedded Banking Infrastructure for Regulated Finance

Unit • Led by Itai Damti

🔒 Confidential
COI SCORE 92 VERIFIED

🔬 The Innovation Core

The Pain Point

Integrating financial features into non-bank applications is traditionally slow, expensive, and faces high regulatory hurdles regarding sponsor bank oversight.

The Solution

A Banking-as-a-Service (BaaS) platform that provides APIs for accounts, cards, and payments with built-in compliance monitoring for sponsor banks.

⚡ Verified Impact

● Validated
3-month launch for full banking stacksTime-to-Market
$1.3B+ across the ecosystemDeposit Volume
800,000+ active end-customer accountsUser Base
CERTIFICATION

Silver Tier

TRL 7/9

📊 Market Traction

Revenue History ($M)

Market Share

🧠 Analyst Verdict: Execution Risk

"Unit provides a sophisticated developer experience for embedded finance, but the model is currently under intense regulatory scrutiny. While the platform has successfully scaled to manage $1.3B in deposits, shifting compliance standards for sponsor banks create significant operational uncertainty. Long-term viability depends on adapting to a more stringent regulatory environment that demands direct bank oversight."

✅ Pros

  • Exceptional developer experience with rapid sandbox-to-live times.
  • Unified dashboard for sponsor banks to monitor downstream activity.
  • Growing suite of credit products including business credit cards.

⚠️ Risks

  • Significant regulatory headwinds facing the BaaS intermediary model.
  • High dependency on a small number of critical sponsor bank partners.
  • Recent industry-wide contraction in fintech funding affecting new client volume.

🛠️ Use Cases

💡
Vertical SaaS

Adding business checking accounts to accounting software.

💡
Gig Economy

Real-time payouts and debit cards for independent contractors.

💡
Expense Management

Issuing corporate cards with automated spend controls.

Market Maturity

Stop Guessing.
Know What's Deployable.

Marketing brochures look the same for TRL-3 (Concept) and TRL-9 (Proven) tech. Our radar cuts through the noise, showing you exactly if this innovation has crossed the "Pilot-to-Production" chasm.

9

Commercial Grade

Fully audited operational history. Ready for scale.

6

Prototype / Pilot

Functional in relevant environments. High risk, high reward.

Current Maturity Status

TRL Score 7.0 / 9.0
  • check_circle Technology validated in lab (TRL 4)
  • check_circle System prototype demonstration (TRL 7)
  • pending Operational Verification (In Progress)
Transparency

Forensic Evidence Chain

We don't just "approve" listings. We build a permanent, immutable audit trail for every verified claim. See exactly what was checked, when, and by whom.

View Sample Audit Report →

Technical Diligence

> Architecture Review: PASS
> Security Audit: ISO 27001
> Scalability Test: 10k TPS

Customer Verification

> Client Interview: #8821
> Deployment Status: LIVE
> ROI Confirmed: 18% Savings

Certification Issued

STATUS: VERIFIED verified

Enterprise Action Center

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🚀
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💡
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⭐
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🛡️
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