Unit — Production-grade Elixir client for the Unit embedded banking API.

Overview

Full Unit API coverage across all 24 resource domains:

Configuration

# config/runtime.exs
config :unit,
  api_token: System.get_env("UNIT_API_TOKEN"),
  environment: :sandbox   # :sandbox | :production

Quick start

# 1. Onboard an individual customer
{:ok, app} = Unit.API.Applications.create_individual(%{
  full_name: %{first: "Jane", last: "Doe"},
  ssn: "000000002",
  date_of_birth: ~D[1990-01-15],
  address: %{street: "123 Main St", city: "SF", state: "CA",
             postal_code: "94105", country: "US"},
  email: "jane@example.com",
  phone: %{country_code: "1", number: "5555550100"},
  ip: "127.0.0.1"
})

# 2. Open accounts
{:ok, account} = Unit.API.Accounts.create_deposit(app.customer_id, "checking")
{:ok, credit}  = Unit.API.Accounts.create_credit(app.customer_id, "basic-credit")

# 3. Issue a virtual debit card
{:ok, card} = Unit.API.Cards.create_individual_virtual_debit(%{
  customer_id: app.customer_id,
  account_id: account.id
})

# 4. Send money
{:ok, payment} = Unit.API.Payments.create_ach(%{
  account_id: account.id,
  amount: 10_000,
  direction: "Credit",
  description: "Payroll",
  counterparty: %{routing_number: "812345678",
                  account_number: "1000000002",
                  account_type: "Checking", name: "Jane Doe"}
})

# 5. Set up recurring payments
{:ok, _} = Unit.API.RecurringPayments.create_credit_ach(%{
  account_id: account.id,
  amount: 5_000,
  description: "Monthly savings transfer",
  counterparty_id: counterparty.id,
  schedule: %{interval: "Monthly", day_of_month: 1,
              start_time: ~D[2024-02-01]}
})

# 6. Reward the customer
{:ok, _} = Unit.API.Rewards.create(%{
  amount: 500,
  description: "Sign-up bonus",
  receiving_account_id: account.id,
  funding_account_id: revenue_account_id
})

Error handling

All functions return {:ok, result} or {:error, %Unit.Error{}}:

case Unit.API.Payments.create_ach(params) do
  {:ok, payment} ->
    Logger.info("Payment created: #{payment.id}")
  {:error, %Unit.Error{type: :validation_error, errors: errors}} ->
    Logger.warning("Validation: #{inspect(errors)}")
  {:error, %Unit.Error{type: :auth_error}} ->
    Logger.error("Invalid token")
  {:error, %Unit.Error{type: :network_error}} ->
    Logger.error("Network failure — will retry automatically")
end

Per-request overrides

# Use a customer-scoped token
Unit.API.Accounts.list(api_token: customer_token)

# Point to a custom base URL
Unit.API.Sandbox.receive_ach(params, base_url: "http://localhost:8080")

Telemetry

:telemetry.attach("unit-log", [:unit, :request, :stop],
  fn _evt, %{duration: d}, %{resource: r, action: a, status: s}, _ ->
    Logger.info("[Unit] #{r}.#{a} → #{s} (#{div(d, 1_000_000)}ms)")
  end, nil)