“Can an ETF-backed daily-access account replace the traditional savings account and checking account by letting users both earn above-market interest and pay directly from their investment portfolio?”
Founded in 2021 as a capital market app combining saving, investing, and paying, UnitPlus differentiates by letting users pay directly with their investment portfolio (ETFs), liquidating on-demand at point of sale. The company partnered with Vodeno and Aion Bank to underpin its BaaS layer, positioning itself as an investment-first alternative to traditional savings accounts. It has since expanded to SMEs via UnitPlus Business, offering treasury yield-style cash management for corporate liquidity.
Unitplus discloses Vodeno as its banking provider, with Aion Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Unitplus does not disclose a bank charter of its own; its banking services are provided through Aion Bank.
The Embedded Finance Index 2026 maps 2 layers in Unitplus's stack: Banking / BaaS (Vodeno); Sponsor bank (Aion Bank).
Unitplus is founded in 2021 and headquartered in Berlin, Germany.
Unitplus has raised $6.1M in total.
Get a read on where your own stack stands against Unitplus and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.