White-Label App
Overview#
White-Label App is the fastest and easiest way for software companies to launch branded financial features, with one line of code. Companies can now offer customers a branded banking and lending experience, while reducing engineering lift and radically accelerating time to market.
White-Label App is a turnkey solution for companies to embed accounts, cards, payments, and lending, directly in their product. This for example, can be done through the addition of a banking tab within a client’s web dashboard. White-Label App is built on two pillars – Unit's White-Label Application Form and Unit's White-Label Components. White-Label App is a fully-featured web app that encapsulates backend code, frontend UI/UX design, optimal user experience, security, and compliance.
In addition to a complete set of features, optimal user experiences are already built in, including initial account funding, card activation, activity filtering, and payment workflows – so you can easily activate and retain banking and lending customers.
Use Case#
The initial use-case supported by White-Label App is a banking experience for small businesses. This experience is optimized for single-member businesses - whether they are sole proprietors, or incorporated companies, with one primary user.
Is the White Label App Right for me?
- I have restricted resources (R&D, product, design etc.)
- I want to test the market opportunity before investing my own resources
- I'm looking for the fastest way to get market with an MVP
- I see an opportunity to monetize an existing customer base by leveraging embedded finance
Requirements for V1
- I have a prominent web-based product
- I use a recognized Identity Provider (to provide Unit a supported JWT token)
Supported Platforms#
| Platform | Availability |
|---|---|
| Web (desktop) | 10/31 |
| Mobile React Native (available in iOS & Android) | Q2 '24 |
Features#
| Feature | Details |
|---|---|
| Onboarding (KYB / KYC) experience | Identity verification, fraud screening, document verification (if applicable), manual review team |
| Accounts | Single operational account (a Checking account), with/without interest |
| Account funding | ACH debit (pull), Check deposits |
| Money In | Receive ACH credit, Receive Wire, Cash deposits in Allpoint ATMs (using a physical card) |
| Money Out | ACH credit (same / next day), Book payments (between accounts on the Unit platform), cards, ATM |
| Activity | Overview of the customer's activity (transactions, card authorizations etc.) |
| Cards | One physical card, one virtual card, both branded. Including ability to add cards to a mobile wallet |
| First-time user experience | A a part of the onboarding flow, the White-label App includes a tutorial step to encourage the end-user to fund the account and activating the available card, as a call to action and engagement with the banking features |
First-time user experience example#
Embedding#
Tech Checklist#
Authentication Setup Providing a supported JWT token: assuming the end-user is logged in to the client's web app by one of the supported Identity Providers (Okta, Stytch, Cognito and Auth0), by using the provider's API the client needs to pass a JWT Token to a Unit White-label App web component. Please, refer to the point 1 in obtaining a customer token using jwt section for more details. Note: We are open to support more Identity Providers, or to support clients who have their own JWT/Paseto implementation.
Implementation#
info
White Label App is not enabled by default. Please reach out to Unit if you are interested in testing the White Label App.
Embedding the white-label app is accomplished by adding a script tag and a unit-elements-white-label-app tag to the page where you want it to appear.
<html> <head> <script async src="https://ui.unit.co/release/latest/components.js"></script> </head> <body> <unit-elements-white-label-app jwt-token="{{JwtToken}}" theme="{{themeUrl}}" language="{{languageUrl}}"> </unit-elements-white-label-app> </body></html>You can choose to create unit-elements-white-label-app dynamically using JavaScript
<html> <head> <script async src="https://ui.unit.co/release/latest/components.js"></script> </head> <body> <div id="unit-app-placeholder"></div> <script> const unit = document.createElement("unit-elements-white-label-app") unit.setAttribute("theme", "{{themeUrl}}") unit.setAttribute("jwt-token", "{{JwtToken}}") unit.setAttribute("language", "{{languageUrl}}") document.querySelector("#unit-app-placeholder").append(unit) </script> </body></html>White-label app will use 2 keys in local storage. unitCustomerToken and unitVerifiedCustomerToken. It's important to clean them up when the user logs out of your app.
localStorage.removeItem("unitCustomerToken")localStorage.removeItem("unitVerifiedCustomerToken")Pre-fill Endpoint In order to pre-populate the Application Form (KYB) with data that the client already collected about their end-user, the client will need to implement an GET API endpoint which by request via JWT Token returns the Unit Application form resource.