Is Skaleet or Unit better?

Neither clearly leads. Skaleet starts at On request and Unit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Skaleet or Unit?

Skaleet starts at On request and Unit at On request.

Does Skaleet or Unit run on more platforms?

Skaleet runs on Web, REST API, Linux. Unit runs on Web, iOS, Android.

What is Skaleet best used for?

Skaleet is most often used for a banking group launching a digital savings or deposit brand in a new country within a year, a bank modernising payments to iso 20022 without replacing its whole core, a payroll or hr software company adding embedded banking to its product, a payment service provider needing a ledger and accounts under its existing licence. Of those, a banking group launching a digital savings or deposit brand in a new country within a year and a bank modernising payments to iso 20022 without replacing its whole core are not what Unit is typically brought in for.

What can Skaleet do that Unit cannot?

Skaleet covers Cloud-native core, Payment hub, Card management, API-first. Unit covers Deposit accounts, Card issuing, Payments, White label components. Both handle Lending.

APIs · head to head

Skaleet vs Unit

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

From: On request
Rated: -

Full review Website

Unit

APIs

Banking as a service platform for embedding deposit accounts, cards and payments, with a sponsor bank behind it

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.; Unit your product depends on a sponsor bank you do not contract with directly, and 2024 showed what that means: Thread Bank received an FDIC enforcement action naming its banking as a service programmes and Blue Ridge Bank went under an OCC consent order and offboarded fintech partners.
They diverge on capability: Skaleet covers Cloud-native core, Unit covers Deposit accounts.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Skaleet and Unit actually diverge.

Attributes where Skaleet and Unit differ
Attribute	Skaleet	Unit
Platforms	Web, REST API, Linux	Web, iOS, Android

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Skaleet

Cloud-native core
Payment hub
Card management
API-first
Configurable products

Only in Unit

Deposit accounts
Card issuing
Payments
White label components
Compliance operations
Programme reporting
Sandbox

Both cover

Lending

What people use each for

The jobs each tool is most often brought in to do.

Skaleet

A banking group launching a digital savings or deposit brand in a new country within a yearnot Unit
A bank modernising payments to ISO 20022 without replacing its whole corenot Unit
A payroll or HR software company adding embedded banking to its productnot Unit
A payment service provider needing a ledger and accounts under its existing licencenot Unit

Unit

A vertical SaaS platform for contractors that wants to hold customer funds and issue expense cards without pursuing a charternot Skaleet
A payroll or benefits platform embedding accounts so employees can be paid ahead of schedulenot Skaleet
A marketplace that wants seller balances to sit in real accounts under its own brand rather than as ledger entries at a processornot Skaleet
A company that needs interchange revenue from a card programme to make the unit economics of its core product worknot Skaleet

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Skaleet

The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

Unit

Your product depends on a sponsor bank you do not contract with directly, and 2024 showed what that means: Thread Bank received an FDIC enforcement action naming its banking as a service programmes and Blue Ridge Bank went under an OCC consent order and offboarded fintech partners.
Programme approval by the bank is a separate gate from signing with Unit, and it can add months and impose product restrictions that were not visible during the commercial conversation.
Compliance obligations are shared but the operational load lands on you, and platforms consistently underestimate the staffing needed for disputes, escalations and the bank ongoing oversight requests.
Pricing is unpublished and blends platform fees, per-account and per-transaction charges and interchange sharing, which makes it hard to model unit economics before you have volume and easy to be surprised by the minimum.
Migrating a live deposit programme to a different provider or bank is extremely disruptive because it involves moving customer accounts and card credentials, so switching costs are far higher than for ordinary software.

Pricing, plan by plan

Skaleet

On request

Skaleet Core Banking Platform$undefined/year
- Subscription licence scaled by accounts and transaction volume
- Payment hub licensable separately from the full core
- Implementation and configuration charged as a project

Unit

On request

Unit Banking as a Service$undefined/year
- Platform fee plus per-account and per-transaction charges, quoted
- Interchange sharing arrangements negotiated per programme
- Minimum commitment typical

Which should you pick?

Choose Skaleet if

You need cloud-native core.
You work on Web, REST API, Linux.
You also want payment hub.

Skaleet review

Choose Unit if

You need deposit accounts.
You work on Web, iOS, Android.
You also want card issuing.

Unit review

Questions people ask

Is Skaleet or Unit better?: Neither clearly leads. Skaleet starts at On request and Unit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Skaleet or Unit?: Skaleet starts at On request and Unit at On request.
Does Skaleet or Unit run on more platforms?: Skaleet runs on Web, REST API, Linux. Unit runs on Web, iOS, Android.
What is Skaleet best used for?: Skaleet is most often used for a banking group launching a digital savings or deposit brand in a new country within a year, a bank modernising payments to iso 20022 without replacing its whole core, a payroll or hr software company adding embedded banking to its product, a payment service provider needing a ledger and accounts under its existing licence. Of those, a banking group launching a digital savings or deposit brand in a new country within a year and a bank modernising payments to iso 20022 without replacing its whole core are not what Unit is typically brought in for.
What can Skaleet do that Unit cannot?: Skaleet covers Cloud-native core, Payment hub, Card management, API-first. Unit covers Deposit accounts, Card issuing, Payments, White label components. Both handle Lending.

Answered from the vendors’ own pages

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

Unit: Who actually holds the money?

A chartered partner bank, not Unit. Deposits sit at the sponsor bank and FDIC insurance flows from that bank, so its condition is your condition.

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

Unit: What happened with Unit sponsor banks in 2024?

Thread Bank received an FDIC enforcement action that explicitly named its banking as a service and lending as a service programmes, and Blue Ridge Bank was under an OCC consent order from January 2024 and offboarded fintech partners. Blue Ridge exited the order in late 2025.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

Unit: What does Unit cost?

Not published. Expect a platform fee, per-account and per-transaction charges, an interchange share and a minimum commitment.

Unit: Do we need our own compliance team?

Yes. Unit supplies tooling and the bank sets the rules, but disputes, escalations and evidence for bank oversight require named people on your side.

Skaleet vs Unit

Skaleet

Unit

The short version

Where they differ

What each one covers

Only in Skaleet

Only in Unit

Both cover

What people use each for

Skaleet

Unit

Where each one falls short

Skaleet

Unit

Pricing, plan by plan

Skaleet

Unit

Which should you pick?

Choose Skaleet if

Choose Unit if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Skaleet

More on Unit

Keep looking

Other head to heads