Unit vs Alpaca
Side-by-side comparison of AI visibility scores, market position, and capabilities
Banking-as-a-service API for embedded fintech; FDIC-insured accounts, Visa cards, and ACH via single integration for software companies at $1B+ valuation.
About
Unit is a banking-as-a-service platform enabling fintech companies and software businesses to embed banking, card, and payment products into their applications through a single API. Founded in 2019 and headquartered in San Francisco, Unit provides the infrastructure stack — FDIC-insured deposit accounts, Visa debit cards, ACH transfers, wire transfers, and check processing — that product teams need to launch financial products without building direct bank relationships or obtaining banking licenses.
Alpaca is a self-clearing broker-dealer and global leader in brokerage infrastructure APIs for stocks, ETFs, options, and fixed income; raised $52M Series C in April 2025 totaling $170M;
About
Alpaca is a developer-first brokerage infrastructure company founded in 2015 and headquartered in San Mateo, California. It operates as a fully self-clearing broker-dealer with DTCC, Nasdaq, OCC, and FICC memberships — enabling it to provide end-to-end brokerage infrastructure for stocks, ETFs, options, fixed income, and cryptocurrency without requiring partners to manage their own clearing relationships. Alpaca's Broker API allows fintech companies, neobrokerages, robo-advisors, and wealth management platforms to embed multi-asset trading into their applications with a single integration.
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